| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG ASSOCIATES OF CT LLC | 34 E INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $310K | — | $310K | 215.73% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$24 | — | -$24 | -0.02% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS | 34 E INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 E INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | DELTA DENTAL OF CONNECTICUT, INC. | $6K | — | $6K | 7.80% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 E INDUSTRIAL RD, SUITE 5 BRANFORD, CT 06405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.79% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANDFORD, CT 06405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $316 | — | $316 | 2.99% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 E INDUSTRIAL RD, SUITE 5 BRANFORD, CT 06405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $706 | — | $706 | 13.78% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | ALPHA DENTAL PROGRAMS, INC. | $102 | — | $102 | 2.99% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 E INDUSTIRAL ROAD, SUITE 5 BRANFORD, CT 06405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $440 | — | $440 | 13.65% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $144K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CONNECTICUT, INC. | 187 | $76K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $82K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $82K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.