| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER M ANDREWS3 | PO BOX 466 FARMINGTON, CT 06034 | UNITED HEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 3.02% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STE 234 PHOENIX, AZ 85018 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 1.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (NE SERIES) | 76 BATTERSON PARK RD STE 3 FARMINGTON, CT 06032 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.22% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLOUTIONS LLC | 14 BUSINESS PARK DR #8 BRANFORD, CT 06405 | UNITED HEALTHCARE INSURANCE COMPANY | $387 | — | $387 | 0.02% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | PO BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $670 | $3K | 15.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $475 | — | $475 | 2.22% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | PO BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $606 | $3K | 15.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $447 | — | $447 | 2.24% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $358 | $2K | 15.71% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $271 | — | $271 | 2.22% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | AMERITAS LIFE INSURANCE CORP. | $895 | — | $895 | 8.77% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | AMERITAS LIFE INSURANCE CORP. | — | $626 | $626 | 6.14% |
| METTILLE, MARK S3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | AMERITAS LIFE INSURANCE CORP. | $448 | — | $448 | 4.39% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | LIFELOCK (IDENTITY THEFT PROTECTION) | $697 | — | $697 | 14.97% |
| GROUP INSURANCE SERVICES NATIONAL3 | 9500 KOGER AVE STE 200 ST PETERSBURG, FL 33702 | LIFELOCK (IDENTITY THEFT PROTECTION) | — | $467 | $467 | 10.03% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | PO BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $356 | $89 | $445 | 15.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40 | — | $40 | 1.43% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | METLAW/HYATT LEGAL (LEGAL PLAN) | $230 | — | $230 | 8.72% |
| GROUP INSURANCE SERVICES NATIONAL3 | 9500 KOGER AVE STE 200 ST PETERSBURG, FL 33702 | METLAW/HYATT LEGAL (LEGAL PLAN) | — | $165 | $165 | 6.26% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 238 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 184 | $64K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 200 | $10K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $20K |
| Other(2 contracts, 2 carriers) | LIFELOCK (IDENTITY THEFT PROTECTION) | 168 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.