| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 | 1099 EIGHTEENTH STREET SUITE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $294K | $294K | 4.00% |
| SAUL R LOCKER3 | 1099 EIGHTEENTH STREET SUITE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $33K | $33K | 0.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DAVID M BROWN | 240 BRADLEY STREET NEW HAVEN, CT 06510 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.30% |
| NEIL G BALLOTTE3 | 6 WILBUR LANE EAST LYME, CT 06333 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.30% |
| JESSE J LISKA3 | 35 TRESS ROAD CHESHIRE, CT 06410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.74% |
| RAYMOND J KUBICK3 | 885 BLACKBERRY HOLLOW ORANGE, CT 06477 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $505 | — | $505 | 0.37% |
| WEB TPA5 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | $44K | — | $44K | 53.18% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE AND ACCIDENT | $38K | — | $38K | 46.82% |
| ASSOCIATED INSURANCE AGENCIES INC3 | 280 STATE STREET #201 NORTH HAVEN, CT 06473 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
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 | 20,312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 276 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICARE, INC | 458 | $748K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 24,373 | $9.8M |
| Vision | VISION SERVICE PLAN | 16,250 | $2.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 26,643 | $7.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 26,643 | $7.4M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 26,643 | $7.5M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 26,918 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,918 | — |
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.