| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS, INC. | $40K | $0 | $40K | 2.75% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | ANTHEM HEALTH PLANS, INC. | $13K | $0 | $13K | 0.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS, INC. | -$54 | $0 | -$54 | -0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $5K | $0 | $5K | 5.00% |
| STEVEN D. ZIROLLI3 | 85 WHITE AVENUE WEST HARTFORD, CT 06119 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.07% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.55% |
| NORTHWESTERN MUTUAL3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $2 | $1K | 7.06% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $877 | $0 | $877 | 6.47% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | HYATT LEGAL PLANS | $72 | $14 | $86 | 12.36% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 259 | $1.5M |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 150 | $102K |
| Vision | VISION SERVICE PLAN | 139 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 232 | $90K |
| Short-term disability | STANDARD INSURANCE COMPANY | 232 | $90K |
| Long-term disability | STANDARD INSURANCE COMPANY | 232 | $90K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 259 | $1.5M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 232 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.