| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | 40 RICHARDS AVENUE NORWALK, CT 06854 | AETNA LIFE INSURANCE COMPANY | $26K | — | $26K | 1.35% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | -$12K | — | -$12K | -0.61% |
| KEY INSURANCE & BENEFIT SERVICES3 | 40 RICHARDS AVENUE NORWALK, CT 06854 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $7K | — | $7K | 5.00% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | ANTHEM HEALTH PLANS, INC. | $0 | $106 | $106 | 0.79% |
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 | 397 | 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) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 400 | $1.9M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 140 | $167K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 215 | $42K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 400 | $1.9M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 400 | $1.9M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 4 | $28K |
| Other | AETNA LIFE INSURANCE COMPANY | 400 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.