| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $21K | $5K | $26K | 9.39% |
| SETH JASON KALKSTEIN3 | 10070 DANIELS INTERSTATE COURT SUITE 230 FORT MYERS, FL 33913 | NORTHWESTERN MUTUAL | $7K | $2K | $9K | 3.13% |
| PIZZUTI GROUP LLC3 Filed as: PIZZUTI GROUP, LLC | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $4K | $496 | $5K | 1.68% |
| STRIANO FNCL GRP LLC3 Filed as: STRIANO FINANCIAL GROUP, LLC | 1515 SOUTH FEDERAL HIGHWAY SUITE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $1K | $330 | $2K | 0.62% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3424 PEACHTREE ROAD NORTHEAST SUITE 1400 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 4.30% |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 392 | $6.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 392 | $6.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 355 | $231K |
| Long-term disability | NORTHWESTERN MUTUAL | 363 | $276K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 392 | $6.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 355 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.