| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 | 1099 EIGHTEENTH STREET SUITE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $281K | $281K | 38.46% |
| 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 | 1.50% |
| NEIL G BALLOTTE3 | 6 WILBUR LANE EAST LYME, CT 06333 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.50% |
| JESSE J LISKA3 | 35 TRESS ROAD CHESHIRE, CT 06410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.86% |
| RAYMOND J KUBICK3 | 885 BLACKBERRY HOLLOW ORANGE, CT 06477 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $654 | — | $654 | 0.43% |
| 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 | 18,905 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC | 184 | $301K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 33,202 | $12.4M |
| Vision | VISION SERVICE PLAN | 13,694 | $2.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 26,887 | $731K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 26,887 | $731K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 26,887 | $883K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 26,887 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,202 | — |
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.