| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH NEW YORK, NY 10019 | OXFORD HEALTH INSURANCE, INC. | $159K | $0 | $159K | 5.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 15.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 60 CROSSWAYS PARK DRIVE WEST SUITE 305 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 10.32% |
| VENESSA N DEAN3 Filed as: VENESSA N. DEAN | 92 LIMEWOOD AVENUE BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $26 | $4K | 7.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $16 | $1K | 1.72% |
| T AND H BENEFITS, LLC3 Filed as: T AND H BENEFITS LLC | 320 WEST 57TH STREET NEW YORK, NY 10019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $706 | $0 | $706 | 1.19% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $670 | $0 | $670 | 1.13% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $346 | $184 | $530 | 0.89% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 56 STRAWBERRY LANE PORTSMOUTH, RI 02871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $322 | $22 | $344 | 0.58% |
| MJ INSURANCE3 Filed as: EILEEN E. BERG AND VARIOUS AGENTS | 319 THOMASTON ROAD WATERTOWN, CT 06795 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $338 | $0 | $338 | 0.57% |
| VENESSA N DEAN3 Filed as: VENESSA N. DEAN | 92 LIMEWOOD AVENUE BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $8 | $1K | 7.64% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $288 | $4 | $292 | 2.02% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $62 | $186 | 1.29% |
| T AND H BENEFITS, LLC3 Filed as: T AND H BENEFITS LLC | 320 WEST 57TH STREET NEW YORK, NY 10019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $179 | $0 | $179 | 1.24% |
| STERLING AND STERLING, INC. Filed as: STERLING AND STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $0 | $113 | 0.78% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 56 STRAWBERRY LANE PORTSMOUTH, RI 02871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | $8 | $95 | 0.66% |
| MJ INSURANCE3 Filed as: BRIAN R. WADE AND VARIOUS AGENTS | 925 ORONOKE ROAD WATERBURY, CT 06708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.17% |
| VENESSA N DEAN3 Filed as: VENESSA N. DEAN | 92 LIMEWOOD AVENUE BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $435 | $5 | $440 | 14.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $183 | $5 | $188 | 6.17% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $35 | $78 | 2.56% |
| T AND H BENEFITS, LLC3 Filed as: T AND H BENEFITS | 320 WEST 57TH STREET NEW YORK, NY 10019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 2.36% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 1.25% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 56 STRAWBERRY LANE PORTSMOUTH, RI 02771 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $5 | $30 | 0.98% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E. BERG | 319 THOMASTON ROAD WATERTOWN, CT 06795 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.26% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 370 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $117K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $118K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $118K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 370 | $3.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.