| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART HILTON GROVE3 | 5 LANCELOT WAY HAMDEN, CT 06518 | THE HARTFORD | $34K | — | $34K | 8.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | — | $35K | $35K | 8.28% |
| STUART HILTON GROVE3 | 5 LANCELOT WAY HAMDEN, CT 06518 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 1.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARTFORD LIFE & ACCIDENT INS. CO. EIN 06-0838648 NONE | Insurance services Service code 23 | — | $428K |
| AMWINS EIN 05-0461576 NONE | Insurance agents and brokers Service code 22 | — | $422K |
| AETNA LIFE INSURANCE CO. EIN 06-6033492 NONE | Insurance services Service code 23 | — | $69K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (directed) Service code 25 | — | $52K |
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 | 3 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 281 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 237 | $422K |
| Life insurance | THE HARTFORD | 183 | $428K |
| Other | THE HARTFORD | 183 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.