| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERARD B TRACY ASSOCIATES INC3 | 1261 POST ROAD SUITE 20 FAIRFIELD, CT 06824 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $0 | $23K | 2.49% |
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 10001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $0 | $23K | 2.48% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE AGENCY | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | JOHN HANCOCK | $45K | $0 | $45K | 6.86% |
| LOCKER SAUL3 | 1099 18TH STREET SUITE 2870 DENVER, CO 80202 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $25K | $0 | $25K | 4.52% |
| GERARD B TRACY ASSOCIATES INC3 | 1261 POST ROAD SUITE 201 FAIRFIELD, CT 06824 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $12K | $0 | $12K | 2.07% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $0 | $8K | $8K | 1.42% |
| GERARD B TRACY ASSOCIATES INC3 Filed as: GERARD B. TRACY ASSOCIATES | 1261 POST RD. #201 FAIRFIELD, CT 06824 | GENWORTH LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.93% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS #1801 NEW YORK, NY 10001 | GENWORTH LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.93% |
| INDIVIDUAL COMMERCIAL BROKERAGE3 | 100 ENTERPRISE DRIVE SUITE 500 ROCKAWAY, NJ 07866 | GENWORTH LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.44% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH ST NEW YORK, NY 10001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.03% |
| GERARD B TRACY ASSOCIATES INC3 | 1261 POST ROAD SUITE 201 FAIRFIELD, CT 06824 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.97% |
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 | 920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 771 | $953K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 945 | $557K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 945 | $557K |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK | 945 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 945 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.