| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SERRA & DELVECCHIO LLC3 | 2 CORPORATE DRIVE SUITE 234 SHELTON, CT 06484 | ANTHEM HEALTH PLANS, INC | $49K | $3K | $51K | 4.18% |
| SERRA & DELVECCHIO LLC3 | 2 CORPORATE DRIVE SUITE 234 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| SERRA & DELVECCHIO LLC3 | 2 CORPORATE DRIVE SUITE 234 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| SERRA & DELVECCHIO LLC3 | 2 CORPORATE DRIVE SUITE 234 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $970 | $0 | $970 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 386 MAIN STREET MIDDLETOWN, CT 06457 | FEDERAL INSURANCE COMPANY | $578 | $0 | $578 | 19.99% |
| SERRA & DELVECCHIO LLC3 | 2 CORPORATE DRIVE SUITE 234 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $155 | $0 | $155 | 9.99% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC | 116 | $1.2M |
| Dental | ANTHEM HEALTH PLANS, INC | 116 | $1.2M |
| Vision | ANTHEM HEALTH PLANS, INC | 116 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $10K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $18K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 114 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.