| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC | 2150 POST ROAD 4TH FLOOR FAIRFIELD, CT 06824 | ANTHEM HEALTH PLANS, INC. | $21K | — | $21K | 2.26% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS | 2150 POST ROAD 4TH FLOOR FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.50% |
| SEAN M. CARROLL3 Filed as: SEAN J RABINOWITZ, ACBI | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.94% |
| MW FINANCIAL GROUP LTD3 | 197 SCOTT SWAMP RD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70 | — | $70 | 0.07% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.26% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER-DRISCOLL & CO | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $235 | — | $235 | 0.59% |
| PPI BENEFIT SOLUTIONS3 Filed as: PPI BENEFIT SOLUTION | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $144 | $144 | 0.36% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.79% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER-DRISCOLL & CO | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $478 | — | $478 | 1.33% |
| PPI BENEFIT SOLUTIONS3 Filed as: PPI BENEFIT SOLUTION | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $406 | $406 | 1.13% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC. | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | VISION SERVICE PLAN | $855 | — | $855 | 6.79% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.45% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | -$15 | -$15 | -0.15% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER-DRISCOLL & CO | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$46 | — | -$46 | -0.45% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $411 | — | $411 | 8.00% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER-DRISCOLL & CO | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $206 | — | $206 | 4.01% |
| PPI BENEFIT SOLUTIONS3 Filed as: PPI BENEFIT SOLUTION | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $86 | $86 | 1.67% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 183 | $937K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $100K |
| Vision | VISION SERVICE PLAN | 80 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 88 | $10K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.