| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $67K | $67K | 2.67% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HWY. EAST - SUITE 215 FAIRFIELD, CT 06824 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $33K | $33K | 1.33% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HWY E - SUITE 215 FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $13K | $26K | 6.83% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD.-SUITE 3001 WARWICK, RI 02886 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.17% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HWY. - SUITE 215 FAIRFIELD, CT 06824 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $92 | $3K | 7.73% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HWY. - SUITE 215 FAIRFIELD, CT 06824 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.06% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS WIGHWAY E - #215 FAIRFIELD, CT 06824 | EYEMED | $2K | — | $2K | 9.07% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HWY. - SUITE 215 FAIRFIELD, CT 06824 | EYEMED | $611 | — | $611 | 2.38% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HWY. - SUITE 215 FAIRFIELD, CT 06824 | EYEMED | $29 | — | $29 | 5.23% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | EYEMED | $20 | — | $20 | 3.60% |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 283 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $384K |
| Vision(2 contracts) | EYEMED | 302 | $26K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $421K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $384K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $384K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.