| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC. | 2150 POST RD 4TH FL FAIRFIELD, CT 068245669 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 3.66% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2150 POST RD FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 11.14% |
| RABINOWITZ, SEAN J3 | 7 5TH AVENUE BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 9.55% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST. HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.39% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2150 POST RD FAIRFIELD, CT 06824 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46K | — | $46K | 19.89% |
| RABINOWITZ, SEAN J3 | 7 5TH AVENUE BRANFORD, CT 06405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 6.85% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 2.48% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2150 POST ROAD FAIRFIELD, CT 06824 | FEDERAL INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2150 POST ROAD FAIRFIELD, CT 06824 | FEDERAL INSURANCE COMPANY | $8K | $529 | $8K | 16.00% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2150 POST RD FAIRFIELD, CT 06824 | FIRST UNUM LIFE INSURANCE COMPANY | $483 | — | $483 | 7.88% |
| RABINOWITZ, SEAN J3 | 7 5TH AVENUE BRANFORD, CT 06405 | FIRST UNUM LIFE INSURANCE COMPANY | $438 | — | $438 | 7.15% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $67 | — | $67 | 1.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS CAREMARK EIN 05-0340626 ADMIN SERVICES AGREEMENT | Non-monetary compensation; Float revenue; Participant communication; Direct payment from the plan; Named fiduciary; Claims processing; Contract Administrator; Other services Service code 12 | — | $16.7M |
| CIGNA EIN 59-1031071 ADMIN SERVICES AGREEMENT | Other services; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | — | $3.7M |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $31K |
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 | 5,814 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 96 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,040 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 5,142 | $4.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,030 | $613K |
| Life insurance | AETNA LIFE INSURANCE CO. | 5,821 | $4.6M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 5,821 | $4.6M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 5,821 | $4.6M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,821 | $884K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,030 | — |
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."
No prospect flags tripped on this filing.