| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 3.29% |
| INSURLYNX LLC3 | 10 OAK GLEN DRIVE SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.35% |
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS INC. | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.14% |
| INSURLYNX LLC3 | 10 BROADWAY 2ND FLOOR TRUMBELL, CT 06611 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $637 | — | $637 | 0.71% |
| THE WILSHIRE GROUP LLC3 | 2035 LINCOLN HIGHWAY SUITE 1080 EDISON, NJ 08817 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.84% |
| INSURLYNX LLC3 | 10 OAK GLEN DRIVE SHELTON, CT 06484 | AETNA LIFE INSURANCE COMPANY | $276 | — | $276 | 0.33% |
| PAUL M WALSH3 Filed as: PAUL M WELSH | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $416 | $94 | $510 | 4.40% |
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS INC. | 129 CHURCH STREET SUITE 508 NEW HAVEN, CT 06510 | AFLAC | $278 | — | $278 | 2.40% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $229 | — | $229 | 1.98% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 515 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $119 | — | $119 | 1.03% |
| CHRISTOPHER S AUSTERMANN3 | 100 MILL PLAIN ROAD SUITE 322 DANBURY, CT 06811 | AFLAC | $57 | $19 | $76 | 0.66% |
| JUSTIN GRIFFEY3 | 535 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $53 | $19 | $72 | 0.62% |
| CHRISTOPHER S AUSTERMANN3 | 148 EASTERN BOULVARD GLASTONBURY, CT 06033 | AFLAC | $70 | — | $70 | 0.60% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $64 | — | $64 | 0.55% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $25 | — | $25 | 0.22% |
| JOHN K SCHULE3 | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $17 | — | $17 | 0.15% |
| SAMUEL TATUM3 | 117 SOUTH BALD HILL ROAD NEW CANAAN, CT 06840 | AFLAC | $3 | — | $3 | 0.03% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE UNIT 1101 WALTHAM, MA 02451 | AFLAC | $2 | — | $2 | 0.02% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP | 2035 STATE ROUTE 27 SUITE 1080 EDISON, NJ 08817 | VISION SERVICE PLAN | $465 | — | $465 | 5.62% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | VISION SERVICE PLAN | $203 | — | $203 | 2.45% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 205 | $85K |
| Vision | VISION SERVICE PLAN | 122 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $102K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $102K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $90K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.