| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS INC. | 129 CHURCH STREET SUITE 508 NEW HAVEN, CT 06510 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 9.93% |
| PAUL M WALSH3 | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $799 | $106 | $905 | 6.12% |
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS INC. | 129 CHURCH STREET NEW HAVEN, CT 06510 | AFLAC | $532 | — | $532 | 3.60% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $392 | $6 | $398 | 2.69% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 535 CONNECTICUT AVE SUITE 103 NORWALK, CT 06854 | AFLAC | $185 | $6 | $191 | 1.29% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $162 | $21 | $183 | 1.24% |
| CHRISTOPHER S AUSTERMANN3 | 100 MILL PLAIN ROAD SUITE 322 DANBURY, CT 06811 | AFLAC | $137 | $15 | $152 | 1.03% |
| JUSTIN GRIFFEY3 | 535 CONNECTICUT AVE SUITE 103 NORWALK, CT 06854 | AFLAC | $89 | $15 | $104 | 0.70% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY CT | 107 | $848K |
| Dental | AETNA LIFE INSURANCE COMPANY | 153 | $70K |
| Vision | VISION SERVICE PLAN | 100 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $81K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $66K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.