| 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 | $24K | — | $24K | 4.00% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 5.68% |
| RABINOWITZ, SEAN J3 | 7 5TH AVENUE BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 5.22% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST. HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.68% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 7.95% |
| RABINOWITZ, SEAN J3 | 7 5TH AVENUE BRANFORD, CT 06405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 4.38% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 1.80% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2150 POST ROAD FAIRFIELD, CT 06824 | FEDERAL INSURANCE COMPANY | $27K | — | $27K | 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 | $2K | — | $2K | 9.71% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | FIRST UNUM LIFE INSURANCE COMPANY | $923 | — | $923 | 14.05% |
| RABINOWITZ, SEAN J3 | 7 5TH AVENUE BRANFORD, CT 06405 | FIRST UNUM LIFE INSURANCE COMPANY | $882 | — | $882 | 13.43% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $62 | — | $62 | 0.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS CAREMARK EIN 05-0340626 ADMIN SERVICES AGREEMENT | Contract Administrator; Float revenue; Direct payment from the plan; Non-monetary compensation; Other services; Named fiduciary; Claims processing; Participant communication Service code 12 | — | $16.1M |
| CIGNA EIN 59-1031071 ADMIN SERVICES AGREEMENT | Float revenue; Other services; Direct payment from the plan; Participant communication; Non-monetary compensation; Named fiduciary; Claims processing; Contract Administrator Service code 12 | — | $3.3M |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $22K |
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 | 5,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 123 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 77 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $20K |
| Dental | DELTA DENTAL OF NJ, INC. | 11,150 | $4.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9,670 | $598K |
| Life insurance | AETNA LIFE INSURANCE CO. | 5,430 | $4.6M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 5,430 | $4.6M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 5,430 | $4.6M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,469 | $759K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,150 | — |
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.