| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON, MICHAEL3 Filed as: JOHNSON MICHAEL | 8 HILLCREST PARK RD OLD GREENWICH, CT 068701004 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $58K | — | $58K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $1.3M |
| J5 CONSULTING NONE | Consulting fees; Insurance agents and brokers Service code 22 | 166 WEST PUTNAM AVENUE GREENWICH, CT 06830 | $171K |
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 | 4,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,440 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 419 | $85K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 4,440 | $1.7M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 832 | $388K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,562 | $390K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,899 | $379K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,440 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,440 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.