| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACBI, INC.3 | 2 CORPORATE DRIVE SHELTON, CT 06484 | COMPANION LIFE INSURANCE COMPANY | $33K | — | $33K | 7.07% |
| PROCYON BENEFITS, LLC3 | 1 CORP DR SUITE 225 SHELTON, CT 06484 | COMPANION LIFE INSURANCE COMPANY | $23K | — | $23K | 4.93% |
| ACBI, INC.3 Filed as: ACBI, INC | 2 CORPORATE DRIVE SHELTON, CT 06484 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 3.42% |
| PROCYON BENEFITS, LLC3 | 1 CORP DR SUITE 225 SHELTON, CT 06484 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 0.98% |
| ACBI, INC.3 Filed as: ACBI INC DBA ACBI INSURANCE | PO BOX 1388 BANGOR, ME 04402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.16% |
| PROCYON BENEFITS, LLC3 | ONE CORPORATE DRIVE STE 225 SHELTON, CT 06484 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $179K |
| SCRIP WORLD, LLC EIN 87-0632355 PHARMACY BENEFIT MGT | Other fees; Claims processing; Float revenue; Direct payment from the plan Service code 12 | — | $12K |
| COMPSYCH | Contract Administrator Service code 13 | — | $250 |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 344 | $124K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 371 | $27K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 185 | $465K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 371 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.