| 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 | $25K | — | $25K | 4.01% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 8.44% |
| RABINOWITZ, SEAN J3 | 7 5TH AVENUE BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 7.61% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST. HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.26% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | — | $49K | 21.52% |
| RABINOWITZ, SEAN J3 | 7 5TH AVENUE BRANFORD, CT 06405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 7.53% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 1.70% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2150 POST ROAD FAIRFIELD, CT 06824 | FEDERAL INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2150 POST ROAD FAIRFIELD, CT 06824 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| ACBI, INC.3 Filed as: ACBI INSURANCE | 2150 POST RD FAIRFIELD, CT 06824 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 10.48% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 20.22% |
| RABINOWITZ, SEAN J3 | 7 5TH AVENUE BRANFORD, CT 06405 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 19.43% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $62 | — | $62 | 1.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS CAREMARK EIN 05-0340626 ADMIN SERVICES AGREEMENT | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation; Named fiduciary Service code 12 | — | $17.2M |
| CIGNA EIN 59-1031071 ADMIN SERVICES AGREEMENT | Participant communication; Claims processing; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $3.6M |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $26K |
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 | 5,574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 139 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 103 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $46K |
| Dental | DELTA DENTAL OF NJ, INC. | 11,512 | $4.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9,875 | $615K |
| Life insurance | AETNA LIFE INSURANCE CO. | 5,567 | $4.7M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 5,567 | $4.7M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 5,567 | $4.7M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,567 | $836K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,512 | — |
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.