| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACBI, INC.3 Filed as: ACBI, INC, A MAINE CORPORATION | 491 MAIN ST BANGOR, ME 04401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | — | $36K | 5.91% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC. | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$148 | — | -$148 | -0.02% |
| ACBI, INC.3 Filed as: ACBI,INC | PO BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 8.90% |
| RABINOWITZ, SEAN J3 | 7 5TH AVENUE BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 5.12% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST. HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $331 | — | $331 | 0.09% |
| ACBI, INC.3 Filed as: ACBI, INC | PO BOX 1388 BANGOR, ME 04402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | — | $28K | 20.52% |
| RABINOWITZ, SEAN J3 | 7 5TH AVENUE BRANFORD, CT 06405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 10.46% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $451 | $499 | 0.36% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | FEDERAL INSURANCE COMPANY | $8K | $133 | $8K | 15.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMIN SERVICES AGREEMENT | Named fiduciary; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Participant communication Service code 12 | — | $3.8M |
| CVS CAREMARK EIN 05-0340626 ADMIN SERVICES AGREEMENT | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $59K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $18K |
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 | 4,738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 229 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 353 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 10,369 | $8.9M |
| Vision(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 9,562 | $5.5M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 7,944 | $9.7M |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 7,944 | $9.7M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 7,944 | $9.7M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 7,944 | $10.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,369 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.