| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $105K | $8K | $112K | 4.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | -$34 | $0 | -$34 | -0.00% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $2K | $3K | $5K | 3.23% |
| STEVEN ZIROLLI3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.41% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.05% |
| SCHUSTER DRISCOLL LLC3 | 35 SOUTH ROAD FARMINGTON, CT 06032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $647 | $40 | $687 | 4.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $170 | $8 | $178 | 1.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39 | $0 | $39 | 0.23% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL & COMPANY | 135 SOUTH ROAD FARMINGTON, CT 06032 | VISION SERVICE PLAN | $955 | $0 | $955 | 6.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | -$1 | $0 | -$1 | -0.01% |
| SCHUSTER DRISCOLL LLC4 Filed as: SCHUSTER DRISCOLL & COMPANY | 135 SOUTH ROAD FARMINGTON, CT 06032 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $209 | $0 | $209 | 10.02% |
| JACK SOARES II4 | 28 ONEIDA STREET NEW BRITTAIN, CT 06053 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $147 | $0 | $147 | 7.05% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $2.5M |
| Vision | VISION SERVICE PLAN | 136 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 259 | $157K |
| Short-term disability | STANDARD INSURANCE COMPANY | 259 | $157K |
| Long-term disability | STANDARD INSURANCE COMPANY | 259 | $157K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $2.5M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 259 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.