| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KUVEKE BENEFITS LLC3 | 15 RIVER ROAD STE 15B WILTON, CT 06897 | UNITED HEALTHCARE INSURANCE COMPANY | $145K | — | $145K | 3.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH-WILLIS SERVICES OF GA INC | 7 E CONGRESS ST STE 1002 SAVANNAH, GA 31401 | UNITED HEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 0.55% |
| KUVEKE BENEFITS LLC3 | 15 RIVER ROAD STE 15B WILTON, CT 06897 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 4.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS SERVICES OF GEORGIA | 5 CONCOURSE PKWY NE FL 18 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $95 | $2K | 0.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 29727 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $538 | $538 | 0.14% |
| KUVEKE BENEFITS LLC3 | 15 RIVER ROAD STE 15B WILTON, CT 06897 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 13.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA | 5 CONCOURSE CORPORATION CENTER 18TH FL ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 2.16% |
| KUVEKE BENEFITS LLC3 | 15 RIVER ROAD STE 15B WILTON, CT 06897 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $684 | — | $684 | 10.00% |
| PAUL KUVEKE3 | 15 RIVER ROAD STE 15B WILTON, CT 06897 | HARTFORD LIFE AND ACCIDENT | $539 | — | $539 | 15.00% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 707 | $4.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $397K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 707 | $4.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 216 | $75K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 707 | $4.7M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 216 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.