| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROCYON BENEFITS, LLC3 | ONE CORPORATE DRIVE STE 225 SHELTON, CT 06484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $72K | $80K | 2.12% |
| ACBI, INC.3 Filed as: ACBI, INC, A MAINE CORPORATION | PO BOX BANGOR, ME 04402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $65K | $72K | 1.93% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS LLC | 2 CORPRATE DRIVE SUITE 335 SHELTON, CT 06484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.03% |
| ACBI, INC.3 | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | THE GUARDIAN LIFE INSURANCE COMPANY | $14K | — | $14K | 4.43% |
| PROCYON BENEFITS, LLC3 Filed as: PROCYON BENEFITS LLC | ONE CORPORATE DRIVE SUITE 225 SHELTON, CT 06484 | THE GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.62% |
| ACBI, INC.3 Filed as: ACBI, INC, A MAINE CORPORATION | 2 CORPORATE DRIVE STE 335 SHELTON, CT 06484 | VISION SERVICE PLAN | $810 | — | $810 | 3.25% |
| PROCYON BENEFITS, LLC3 Filed as: PROCYON BENEFITS LLC | 1 CORPORATE DR STE 225 SHELTON, CT 06484 | VISION SERVICE PLAN | $440 | — | $440 | 1.77% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC. | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | VISION SERVICE PLAN | -$1 | — | -$1 | -0.00% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 370 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 370 | $3.7M |
| Vision | VISION SERVICE PLAN | 212 | $25K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 243 | $316K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 243 | $316K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 243 | $316K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 243 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.