| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC. Filed as: PAYCHEX INSURANCE AGENCY | 225 KENNETH DR ROCHESTER, NY 14623 | UNITED HEALTHCARE INSURANCE COMPANY | $110K | — | $110K | 3.61% |
| GCG FINANCIAL LLC Filed as: SYLVIA GROUP AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD STE 120 N DARTMOUTH, MA 02747 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 0.65% |
| GERALDINE S. REGAN ASSOCIATES | 447 WOLCOTT STREET WATERBURY, CT 06705 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | $7K | — | $7K | 3.73% |
| PAYCHEX INSURANCE AGENCY, INC. Filed as: PAYCHEX INSURANCE AGENCY | PO BOX 948 HENRIETTA, NY 14467 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | $2K | — | $2K | 1.24% |
| PAYCHEX INSURANCE AGENCY, INC. Filed as: PAYCHEX INSURANCE AGENCY | PO BOX 948 HENRIETTA, NY 14467 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | $7K | — | $7K | 5.12% |
| GERALDINE S. REGAN ASSOCIATES | 447 WOLCOTT STREET WATERBURY, CT 06705 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $3K | — | $3K | 4.93% |
| PAYCHEX INSURANCE AGENCY, INC. Filed as: PAYCHEX INSURANCE AGENCY | PO BOX 948 HENRIETTA, NY 14467 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $2K | — | $2K | 3.51% |
| PAYCHEX INSURANCE AGENCY, INC. Filed as: PAYCHEX INSURANCE AGENCY | PO BOX 948 HENRIETTA, NY 14467 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $2K | — | $2K | 9.76% |
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 | 246 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 326 | $3.1M |
| Dental(2 contracts) | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | 191 | $331K |
| Life insurance(2 contracts) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 238 | $85K |
| Short-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 238 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.