| 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. | $33K | — | $33K | 2.95% |
| 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 | $6K | $6K | 5.52% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS | 2150 POST ROAD 4TH FLOOR FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.27% |
| CFS HARTFORD LLC3 | 197 SCOTT SWAMP RD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 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 | 7.55% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.89% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC. | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | VISION SERVICE PLAN | $872 | — | $872 | 5.89% |
| 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 | 14.95% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $347 | — | $347 | 12.01% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 197 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $113K |
| Vision | VISION SERVICE PLAN | 89 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 95 | $10K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
No prospect flags tripped on this filing.