| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | CONNECTICARE | $21K | $5K | $26K | 5.05% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 47.44% |
| MW FINANCIAL GROUP LTD3 | 197 SCOTT SWAMP RD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $219 | — | $219 | 0.36% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.29% |
| PPI BENEFIT SOLUTIONS3 Filed as: PPI BENEFIT SOLUTION | 10 RESEARCH WAY FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.69% |
| PPI BENEFIT SOLUTIONS3 Filed as: PPI BENEFIT SOLUTION | 10 RESEARCH WAY FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $833 | $833 | 5.00% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $402 | $402 | 5.00% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $140 | — | $140 | 11.94% |
| PPI BENEFIT SOLUTIONS3 Filed as: PPI BENEFIT SOLUTION | 10 RESEARCH WAY FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $58 | $58 | 4.94% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE | 139 | $525K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $62K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 91 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 91 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 74 | $8K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 91 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.