| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WILSHIRE GROUP LLC3 Filed as: THE WILSHIRE GROUP, LLC | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | OXFORD HEALTH INSURANCE, INC | $18K | — | $18K | 1.97% |
| THE WILSHIRE GROUP LLC3 Filed as: THE WILSHIRE GROUP, LLC | 2035 LINCOLN HIGHWAY SUITE 1080 WEST EDISON, NJ 08817 | OXFORD HEALTH INSURANCE, INC | $15K | — | $15K | 1.66% |
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS INC. | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.37% |
| PAUL M WALSH3 | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $899 | — | $899 | 6.24% |
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS INC. | 129 CHURCH STREET SUITE 508 NEW HAVEN, CT 06510 | AFLAC | $651 | — | $651 | 4.52% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $324 | — | $324 | 2.25% |
| CHRISTOPHER S AUSTERMANN3 | 100 MILL PLAIN ROAD SUITE 322 DANBURY, CT 06811 | AFLAC | $246 | — | $246 | 1.71% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 535 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $152 | — | $152 | 1.05% |
| JUSTIN GRIFFEY3 | 535 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $152 | — | $152 | 1.05% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $81 | — | $81 | 0.56% |
| PAUL M WALSH3 | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $79 | — | $79 | 0.55% |
| JOHN K SCHULE3 | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $3 | — | $3 | 0.02% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BANFORD, CT 06405 | VISION SERVICE PLAN | $662 | — | $662 | 8.09% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 143 | $910K |
| Dental | AETNA LIFE INSURANCE COMPANY | 119 | $71K |
| Vision | VISION SERVICE PLAN | 114 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $94K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $79K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.