| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBI BENEFITS CONSULTANTS3 | 68 NATIONAL DRIVE, SUITE E GLASTONBURY, CT 06033 | AETNA LIFE INSURANCE COMPANY | $0 | $115K | $115K | 4.21% |
| SBI BENEFITS CONSULTANTS3 | 68 NATIONAL DRIVE, SUITE E GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $1K | $26K | 10.44% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY VEVA 16, SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 2.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 1.82% |
| SBI BENEFITS CONSULTANTS3 | 68 NATIONAL DRIVE, SUITE E GLASTONBURY, CT 06033 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.47% |
| SBI BENEFITS CONSULTANTS3 | 68 NATIONAL DRIVE, SUITE E GLASTONBURY, CT 06033 | VISION SERVICE PLAN | $972 | $0 | $972 | 5.02% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 327 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 587 | $153K |
| Vision | VISION SERVICE PLAN | 136 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $250K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $250K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $250K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 327 | $2.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.