| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS GROUP BENEFITS | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE AND ACCIDENT INSURANCE | $34K | — | $34K | 3.32% |
| WILLIAM P MCCARTHY3 Filed as: WILLIAM P. MCCARTHY | C/O O'BRIEN MCCARTHY ASSOCIATES 21 OAK STREET STE 602 HARTFORD, CT 06106 | CONNECTICARE, INC | $26K | — | $26K | 4.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NEIL G. BALLOTTE, C/O BROWN & KNAPP | 6 WILBUR LANE EAST LYME, CT 06333 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 1.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DAVID M. BROWN | 240 BRADLEY STREET NEW HAVEN, CT 06510 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 1.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RAYMOND J. KUBICK,C/O BROWN & KNAPP | 885 BLACKBERRY HOLLOW ORANGE, CT 06477 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $496 | — | $496 | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KENNETH P. BROWN | P.O. BOX 2474 NEW LONDON, NH 03257 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $496 | — | $496 | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & KNAPP GROUP BENEFITS LLC | 66 NORTH MAIN STREET BRANFORD, CT 06405 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 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 | 9,201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE | 407 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 8,777 | $1.8M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE | 13,026 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,026 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.