| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS, INC. | $111K | $2K | $114K | 3.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | $0 | $27K | 16.85% |
| EPSIX, INC. | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 13.89% |
| DENISE COTE POIRIER & OTHER AGENTS3 | 41 BENZ STREET ANSONIA, CT 06401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 6.72% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER JOHN TARI | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.37% |
| LORI A. VEILLETTE3 | 48 ACADEMY HILL ROAD EXTENSION DERBY, CT 06418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.29% |
| JEANNETTE A COLE3 Filed as: JEANNETTE ANN COLE | 23 CLIFF STREET EAST HAVEN, CT 06512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.99% |
| JAMES ROBERT CONFRONT4 | 3 SUNSET LANE GARDEN CITY, NY 11530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.91% |
| EPSIX, INC.3 | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $41K | $0 | $41K | 38.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 22035 KAREN STREET ELKHORN, NE 68022 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $41K | $0 | $41K | 37.54% |
| DENISE COTE POIRIER & OTHER AGENTS3 | 41 BENZ STREET ANSONIA, CT 06401 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.71% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.92% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER JOHN TARI | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.92% |
| JEANNETTE A COLE3 Filed as: JEANNETTE ANN COLE | 185 PLAINS ROAD, SUITE 108E MILFORD, CT 06461 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.34% |
| JUSTIN BUCK3 | 43 STRONG AVENUE PORTLAND, CT 06480 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.96% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 385 | $3.0M |
| Dental | ANTHEM HEALTH PLANS, INC. | 385 | $3.0M |
| Vision | ANTHEM HEALTH PLANS, INC. | 385 | $3.0M |
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 162 | $108K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 204 | $161K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 385 | $3.0M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 204 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.