| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERARD B TRACY ASSOCIATES INC3 Filed as: GERARD B. TRACY ASSOCIATES, INC. | 1261 POST ROAD SUITE 201 FAIRFIELD, CT 06824 | OXFORD HEALTH INSURANCE INC. | $140K | $0 | $140K | 3.20% |
| GERARD B TRACY ASSOCIATES INC3 Filed as: GERARD B. TRACY ASSOCIATES, INC. | 1261 POST ROAD SUITE 201 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $42K | $2K | $44K | 20.04% |
| GERARD B TRACY ASSOCIATES INC3 Filed as: GERARD B. TRACY ASSOCIATES, INC. | 1261 POST ROAD SUITE 201 FAIRFIELD, CT 06824 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.96% |
| GERARD B TRACY ASSOCIATES INC3 Filed as: GERARD B. TRACY ASSOCIATES, INC. | 1261 POST ROAD SUITE 201 FAIRFIELD, CT 06824 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $3K | $0 | $3K | 8.00% |
| GERARD B TRACY ASSOCIATES INC3 Filed as: GERARD B. TRACY ASSOCIATES, INC. | 1261 POST ROAD SUITE 201 FAIRFIELD, CT 06824 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $354 | $0 | $354 | 8.01% |
| GERARD B TRACY ASSOCIATES INC3 Filed as: GERARD B. TRACY ASSOCIATES, INC. | 1261 POST ROAD SUITE 201 FAIRFIELD, CT 06824 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $79 | $0 | $79 | 8.04% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC. | 332 | $4.4M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $167K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 263 | $219K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 263 | $219K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 263 | $219K |
| Other | HARTFORD LIFE AND ACCIDENT | 263 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.