| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK RD OLD GREENWICH, CT 06870 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | $0 | $45K | 15.00% |
| MICHAEL JOHNSON3 | 8 HILLCREST PARK RD OLD GREENWICH, CT 06870 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | $0 | $41K | 20.00% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK RD OLD GREENWICH, CT 06870 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MICHAEL JOHNSON3 | 8 HILLCREST PARK RD OLD GREENWICH, CT 06870 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $0 | $30K | 20.00% |
| MICHAEL JOHNSON3 | 8 HILLCREST PARK RD OLD GREENWICH, CT 06870 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $0 | $29K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $699 | $0 | $699 | 2.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $316 | $0 | $316 | 1.34% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK RD OLD GREENWICH, CT 06870 | FIRST UNUM LIFE INSURANCE COMPANY | $105 | $0 | $105 | 0.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 4.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation; Named fiduciary Service code 12 | — | $2.2M |
| J5 CONSULTING NONE | Insurance agents and brokers; Consulting fees Service code 22 | 166 WEST PUTNAM AVENUE GREENWICH, CT 06830 | $0 |
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 | 4,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,115 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,115 | $1.7M |
| Life insurance(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 4,052 | $1.0M |
| Short-term disability(3 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 877 | $324K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,719 | $354K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,115 | $1.7M |
| Other(9 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,115 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,115 | — |
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.