| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE BACK, LLC3 Filed as: BLUE BACK HEALTH, LLC | 20 WESTERN BLVD GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COM PANY | — | $39K | $39K | 6.60% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DRIVE - SUITE 204 SHELTON, CT 06484 | CIGNA HEALTH AND LIFE INSURANCE COM PANY | — | $17K | $17K | 2.93% |
| BLUE BACK, LLC3 Filed as: BLUE BACK HEALTH, LLC | 20 WESTERN BLVD GLASTONBURY, CT 06033 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.12% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DRIVE - SUITE 204 SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $455 | $2K | 6.19% |
| SETH JASON KALKSTEIN3 | 10070 DANIELS INTERSTE CT STE 230 FORT MYERS, FL 33913 | NORTHWESTERN MUTUAL | $2K | $455 | $2K | 6.19% |
| PIZZUITI GROUP LLC3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $441 | $53 | $494 | 1.35% |
| STRIANO FNCL GRP LLC3 | 1515 S FEDERAL HWY STE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $282 | $67 | $349 | 0.96% |
| SETH KALKSTEIN3 Filed as: SETH J KALKSTEIN | 29 S MAIN ST WEST HARTFORD, CT 06107 | HARTFORD LIFE AND ACCIDENT | $2K | $2K | $4K | 10.74% |
| E P AMATA3 | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DRIVE - SUITE 204 SHELTON, CT 06484 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.00% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COM PANY | 98 | $586K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 72 | $59K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 72 | $59K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 107 | $35K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 107 | $35K |
| Long-term disability | NORTHWESTERN MUTUAL | 107 | $37K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COM PANY | 98 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.