| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRADFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $170K | $13K | $183K | 17.61% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRADFORD, CT 06405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $52K | $0 | $52K | 9.89% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRADFORD, CT 06405 | DELTA DENTAL OF CONNECTICUT INC | $37K | $0 | $37K | 7.80% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRADFORD, CT 06405 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $7K | $12K | 12.20% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRADFORD, CT 06405 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.13% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRADFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.75% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRADFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.76% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRADFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.60% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRADFORD, CT 06405 | ALPHA DENTAL PROGRAMS INC | $529 | $0 | $529 | 41.26% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,258 | $1.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CONNECTICUT INC | 1,212 | $472K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 810 | $68K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,099 | $523K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,099 | $620K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,099 | $523K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,099 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,258 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.