| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | CONNECTICARE, INC. | — | $78K | $78K | 4.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 4.14% |
| PEOPLE'S UNITED INSURANCE AGENCY3 Filed as: PEOPLE'S UNITED INS AGENCY INC | 1 FINANCIAL PLAZA HARTFORD, CT 06103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $914 | — | $914 | 0.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CALIFO | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $638 | $638 | 0.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.51% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $160 | $160 | 0.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $178 | $178 | 0.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $29 | $1K | 15.38% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $34 | $34 | 0.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $724 | $280 | $1K | 15.26% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27 | — | $27 | 0.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $945 | $105 | $1K | 16.67% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $58 | $58 | 0.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $275 | $61 | $336 | 18.33% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7 | — | $7 | 0.38% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 255 | $1.8M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 161 | $107K |
| Vision | AETNA LIFE INSURANCE CO. | 219 | $13K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 197 | $48K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 28 | $22K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 197 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.