| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIS SZEM3 | 188 EAST BERGEN PLACE RED BANK, NJ 07701 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $111K | $0 | $111K | 4.95% |
| PETER M KACHIDURIAN3 Filed as: PETER MICHAEL KACHIDURIAN | 2842 MAIN STREET, STE 311 GLASTONBURY, CT 06033 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $5K | $0 | $5K | 2.83% |
| PETER M KACHIDURIAN3 Filed as: PETER KACHIDURIAN | 2842 MAIN ST PMB 311 GLASTONBURY, CT 060331077 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.63% |
| PETER M KACHIDURIAN3 Filed as: PETER MICHAEL KACHIDURIAN | 2842 MAIN STREET, STE 311 GLASTONBURY, CT 06033 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $929 | $0 | $929 | 3.25% |
| CHRISTOPHER SZEM3 | 188 EAST BERGEN PLACE RED BANK, NJ 07701 | ANTHEM BLUE CROSS (G1921) | $370 | $0 | $370 | 3.97% |
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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 250 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $142K |
| Vision | ANTHEM BLUE CROSS (G1921) | 111 | $9K |
| Short-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 105 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.