| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 3.63% |
| INSURLYNX LLC3 | 10 OAK GLEN DRIVE SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.37% |
| THE WILSHIRE GROUP LLC3 Filed as: THE WILSHIRE GROUP, LLC | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | UNITEDHEALTHCARE INSURANCE COMPANY | -$460 | — | -$460 | -0.03% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.12% |
| PROFESSIONAL GROUP PLAN INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 8.25% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY #1080 EDISON, NJ 08817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.54% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY #1080 EDISON, NJ 08817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.85% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 8.25% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY #1080 EDISON, NJ 08817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.77% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 8.23% |
| INSURLYNX LLC3 Filed as: INSURLYNX | 10 BROADWAY APT 2 TRUMBULL, CT 06611 | VISION SERVICE PLAN | $606 | — | $606 | 5.69% |
| PAUL M WALSH3 | 44 HUNTER RIDGE ROAD SHELTON, CT 06484 | AFLAC | $310 | — | $310 | 3.77% |
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS INC. | 129 CHURCH STREET SUITE 508 NEW HAVEN, CT 06510 | AFLAC | $207 | — | $207 | 2.51% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $193 | — | $193 | 2.34% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 535 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $54 | — | $54 | 0.66% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $50 | — | $50 | 0.61% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 110 LIMERICK ROAD FAIRFIELD, CT 06824 | AFLAC | $36 | — | $36 | 0.44% |
| JUSTIN GRIFFEY3 | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | AFLAC | $33 | — | $33 | 0.40% |
| CHRISTOPHER S AUSTERMANN3 | 41 NEW LONDON TURNPIKE #B GASTONBURY, CT 06033 | AFLAC | $29 | — | $29 | 0.35% |
| CHRISTOPHER S AUSTERMANN3 | 148 EASTERN BOULEVARD GASTONBURY, CT 06033 | AFLAC | $24 | — | $24 | 0.29% |
| SAMUEL TATUM3 | 117 SOUTH BALD HILL ROAD NEW CANAAN, CT 06840 | AFLAC | $23 | — | $23 | 0.28% |
| JOHN K SCHULE3 | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $14 | — | $14 | 0.17% |
| SAMUEL TATUM3 | 14 POWDER HORN HILL ROAD WILTON, CT 06897 | AFLAC | $5 | — | $5 | 0.06% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE UNIT 1101 WALTHAM, CT 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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 202 | $88K |
| Vision | VISION SERVICE PLAN | 142 | $11K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $23K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $62K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $19K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.