| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $196K | $196K | 3.99% |
| CONNECTICUT HEALTH PARTNERSHIP LLC3 | 25 CRESCENT STREET STAMFORD, CT 06906 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $82 | $82 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 425 NE HANCOCK STREET PORTLAND, OR 97212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $15K | $4K | $19K | 8.60% |
| SETH JASON KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 2.87% |
| NM WEST HARTFORD LLC3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $4K | $482 | $4K | 2.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 5.58% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 3.30% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 325 | $4.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 325 | $4.9M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $127K |
| Long-term disability | NORTHWESTERN MUTUAL | 284 | $218K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 325 | $4.9M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.