| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUEPRINT BENEFIT ADVISORS3 Filed as: BLUEPRINT BENEFIT ADVISORS LLC | 109 SANFORD STREET HAMDEN, CT 06514 | ANTHEM HEALTH PLANS, INC. | $25K | — | $25K | 3.13% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE #E GLASTONBURY, CT 06033 | ANTHEM HEALTH PLANS, INC. | $5K | — | $5K | 0.62% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N 40TH ST. STE 234 PHOENIX, AZ 85018 | ANTHEM HEALTH PLANS, INC. | — | $3K | $3K | 0.34% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 351 MAIN STREET OXFORD, MA 01540 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.91% |
| BLUEPRINT BENEFIT ADVISORS3 | 109 SANFORD STREET HAMDEN, CT 06514 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $172 | $2K | 2.19% |
| CFS HARTFORD LLC3 | 197 SCOTT SWAMP ROAD FARMINGTON, CT 06032 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 0.06% |
| AEGIS WEALTH PARTNERS LLC3 | 6903 ROCKLEDGE DR. STE 940 BETHESDA, MD 20817 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.01% |
| EMERSON REID LLC3 | 350 5TH AVE. STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $462 | $2K | 13.26% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DR. STE 2 GLASTONBURY, CT 06033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $547 | $577 | $1K | 8.06% |
| BLUEPRINT BENEFIT ADVISORS3 Filed as: BLUEPRINT BENEFIT ADVISORS LLC | 109 SANFORD STREET HAMDEN, CT 06514 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $157 | — | $157 | 1.13% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | PO BOX 299 MARLBOROUGH, CT 06447 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.98% |
| BLUEPRINT BENEFIT ADVISORS3 Filed as: BLUEPRINT BENEFIT ADVISORS LLC | 109 SANFORD ST. HAMDEN, CT 06514 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $405 | — | $405 | 3.04% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | PO BOX 299 MARLBOROUGH, CT 06447 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 21.34% |
| BLUEPRINT BENEFIT ADVISORS3 Filed as: BLUEPRINT BENEFIT ADVISORS LLC | 109 SANFORD ST HAMDEN, CT 06514 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $275 | — | $275 | 2.79% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 48.35% |
| BLUEPRINT BENEFIT ADVISORS3 Filed as: BLUEPRINT BENEFIT ADVISORS LLC | 109 SANFORD STREET HAMDEN, CT 06514 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $332 | — | $332 | 15.00% |
| BLUEPRINT BENEFIT ADVISORS3 Filed as: BLUEPRINT BENEFIT ADVISORS LLC | 109 SANFORD STREET HAMDEN, CT 06514 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $183 | — | $183 | 9.99% |
| BLUEPRINT BENEFIT ADVISORS3 Filed as: BLUEPRINT BENEFIT ADVISORS LLC | 109 SANFORD STREET HAMDEN, CT 06514 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $123 | — | $123 | 9.96% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 141 | $795K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $73K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $73K |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $26K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $16K |
| Other(5 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.