| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 60322 | UNITEDHEALTHCARE INSURANCE COMPANY | $83K | — | $83K | 4.07% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $1K | $1K | $3K | 2.05% |
| NORTHWESTERN MUTUAL3 Filed as: NORTHWESTERN MUTUAL OFFICE | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.33% |
| PAUL AMATA3 Filed as: PAUL E. AMATA | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $719 | $0 | $719 | 4.70% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $372 | $12 | $384 | 2.51% |
| LOCKTON COMPANIES, LLC4 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $257 | — | $257 | 17.13% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $2.0M |
| Vision | VISION SERVICE PLAN | 167 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 302 | $131K |
| Short-term disability | STANDARD INSURANCE COMPANY | 302 | $131K |
| Long-term disability | STANDARD INSURANCE COMPANY | 302 | $131K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $2.0M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 302 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.