| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG ASSOCIATES OF CT LLC | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 16.36% |
| PROFESSIONAL PENSIONS INC3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $945 | $945 | 1.25% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.89% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | DELTA DENTAL OF CONNECTICUT INC | $3K | $0 | $3K | 7.80% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $154 | $0 | $154 | 3.13% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $555 | $0 | $555 | 13.75% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $235 | $0 | $235 | 13.78% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $181 | $0 | $181 | 13.77% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | ALPHA DENTAL PROGRAMS INC | $38 | $0 | $38 | 2.96% |
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 | 71 | $76K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CONNECTICUT INC | 69 | $36K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 46 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $38K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.