| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEANCO LLC DBA THE BENEFITS GROUP3 Filed as: SEANCO LLC | 700 W JOHNSON AVE STE 301 CHESHIRE, CT 06410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $70K | $78K | 3.00% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $30K | $31K | 1.21% |
| SEANCO LLC DBA THE BENEFITS GROUP3 Filed as: SEANCO LLC | 510 CORNWALL AVE 2ND FLOOR CHESHIRE, CT 06410 | THE GUARDIAN LIFE INSURANCE COMPANY | $14K | — | $14K | 6.79% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS | 2150 POST ROAD 4TH FLOOR FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.36% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $2.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 169 | $203K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 169 | $203K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 169 | $203K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 169 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.