| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURLYNX LLC3 | 10 OAK GLEN DRIVE SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE, COMPANY | $22K | — | $22K | 1.73% |
| THE WILSHIRE GROUP LLC3 Filed as: THE WILSHIRE GROUP, LLC | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | UNITEDHEALTHCARE INSURANCE, COMPANY | $36 | — | $36 | 0.00% |
| INSURLYNX LLC3 | 10 BROADWAY 2ND FLOOR BUILDING TRUMBULL, CT 06611 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.85% |
| INSURLYNX LLC3 | 10 OAK GLEN DRIVE SHELTON, CT 06484 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.98% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 STATE ROUTE 27 SUITE 1080 EDISON, NJ 08817 | VISION SERVICE PLAN | $638 | — | $638 | 6.80% |
| INSURLYNX LLC3 | 10 BROADWAY APARTMENT 2 TRUMBELL, CT 06611 | VISION SERVICE PLAN | $81 | — | $81 | 0.86% |
| PAUL M WALSH3 Filed as: PAUL M WELSH | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $549 | $20 | $569 | 6.13% |
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS INC. | 129 CHURCH STREET SUITE 508 NEW HAVEN, CT 06510 | AFLAC | $367 | — | $367 | 3.95% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $194 | — | $194 | 2.09% |
| SAMUEL TATUM3 | 117 SOUTH BALD HILL ROAD NEW CANAAN, CT 06840 | AFLAC | $95 | $4 | $99 | 1.07% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 535 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $90 | — | $90 | 0.97% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST ROAD SUITE 6-7 ORANGE, CT 06477 | AFLAC | $71 | $4 | $75 | 0.81% |
| CHRISTOPHER S AUSTERMANN3 | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $60 | — | $60 | 0.65% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $51 | — | $51 | 0.55% |
| JUSTIN GRIFFEY3 | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | AFLAC | $16 | — | $16 | 0.17% |
| JOHN K SCHULE3 | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $15 | — | $15 | 0.16% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE UNIT 1101 WALTHAM, MA 02451 | AFLAC | $2 | — | $2 | 0.02% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE, COMPANY | 128 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 189 | $89K |
| Vision | VISION SERVICE PLAN | 127 | $9K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $99K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $99K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $90K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.