| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 3.69% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.36% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP,LLC | 2035 LINCOLN HWY #1080 EDISON, NJ 08817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.39% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $343 | — | $343 | 0.55% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY #1080 EDISON, NJ 08817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.03% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $743 | — | $743 | 3.25% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY #1080 EDISON, NJ 08817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.76% |
| PROFESSION GROUP PLANS3 Filed as: PROFESSION GROUP PLANS INC | 225 WIRELESS BOULVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $871 | $871 | 5.00% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $427 | — | $427 | 2.45% |
| PAUL M WALSH3 | 44 HUNTER RIDGE ROAD SHELTON, CT 06484 | AFLAC | $227 | — | $227 | 3.45% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $186 | — | $186 | 2.82% |
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS | 129 CHURCH STREET SUITE 508 NEW HAVEN, CT 06510 | AFLAC | $152 | — | $152 | 2.31% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 110 LIMERICK RD FAIRFIELD, CT 06824 | AFLAC | $86 | — | $86 | 1.31% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $45 | — | $45 | 0.68% |
| SAMUEL TATUM3 | 14 POWDER HORN HILL ROAD WILTON, CT 06897 | AFLAC | $18 | — | $18 | 0.27% |
| CHRISTOPHER S AUSTERMANN3 | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $12 | — | $12 | 0.18% |
| JOHN K SCHULE3 | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $12 | — | $12 | 0.18% |
| JUSTIN GRIFFEY3 | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | AFLAC | $8 | — | $8 | 0.12% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 187 | $104K |
| Vision | VISION SERVICE PLAN | 200 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $24K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $69K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $23K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.