| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M KAUFMAN3 Filed as: JOHN M. KAUFMAN | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | UNITED OF OMAHA LIFE INSURANE COMPANY | $10K | — | $10K | 6.40% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED OF OMAHA LIFE INSURANE COMPANY | — | $7K | $7K | 4.85% |
| WDK BENEFITS, LLC3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | UNITED OF OMAHA LIFE INSURANE COMPANY | $4K | — | $4K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | GUARDIAN LIFE INSURANCE CO. | $5K | $4K | $9K | 6.10% |
| JOHN M. KAUFAMN3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | GUARDIAN LIFE INSURANCE CO. | $289 | — | $289 | 0.20% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE CO. | 191 | $142K |
| Vision | GUARDIAN LIFE INSURANCE CO. | 191 | $142K |
| Life insurance | UNITED OF OMAHA LIFE INSURANE COMPANY | 225 | $151K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANE COMPANY | 225 | $151K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANE COMPANY | 225 | $151K |
| Other | UNITED OF OMAHA LIFE INSURANE COMPANY | 225 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.