| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN A LUCIANI3 | 8 HAZEL TERRACE WOODBRIDGE, CT 06525 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $181K | $112K | $293K | 3.53% |
| GROUP INSURANCE ASSOCIATES3 | 8 HAZEL TERRACE WOODBRIDGE, CT 06525 | DELTA DENTAL OF NJ, INC. | $9K | — | $9K | 1.09% |
| GROUP INSURANCE ASSOCIATES3 | 8 HAZEL TERRACE WOODBRIDGE, CT 06525 | ANTHEM LIFE INSURANCE COMPANY | $37K | — | $37K | 6.32% |
| BRIAN A LUCIANI3 Filed as: BRIAN LUCIANI DBA GROUP INS. ASSOC. | 8 HAZEL TERRACE WOODBRIDGE, CT 06525 | VISION SERVICE PLAN | $3K | $11 | $3K | 2.24% |
| INSURANCE TO GO3 | 500 PROFESSIONAL CENTER DRIVE NOVATO, CA 94947 | FOUR EVER LIFE INS CO. | $2K | — | $2K | 20.00% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM INSURANCE SERVICES | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO. | — | $470 | $470 | 4.00% |
| SCOTT A MARAS3 | 6600 UNIVERSITY AVE WINDSOR HEIGHTS, IA 50324 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $608 | — | $608 | 10.00% |
| GROUP INSURANCE ASSOCIATES3 | 8 HAZEL TERRACE WOODBRIDGE, CT 06525 | HARTFORD LIFE AND ACCIDENT | $204 | — | $204 | 18.55% |
| GROUP INS. ASSOCIATES, INC.3 Filed as: GROUP INS ASSOCIATES | 8 HAZEL TERRACE WOODBRIDGE, CT 06525 | HARTFORD LIFE INSURANCE CO | $67 | — | $67 | 7.23% |
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 | 1,266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,423 | $8.3M |
| Dental | DELTA DENTAL OF NJ, INC. | 1,110 | $797K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,423 | $8.5M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 1,361 | $594K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,361 | $588K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 1,361 | $594K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,423 | $8.3M |
| Other(3 contracts, 3 carriers) | FOUR EVER LIFE INS CO. | 1,266 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,423 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.