| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNETH S BETTENHAUSER3 Filed as: KENNETH BETTENHAUSER | 107 PRATTS MILL ROAD SUDBURY, MA 01776 | HEALTHYCT | $23K | — | $23K | 4.00% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE RD SUITE B MANSFIELD, MA 02048 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 5.26% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INCE | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $591 | — | $591 | 0.83% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS LLC | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $366 | — | $366 | 0.52% |
| MW FINANCIAL GROUP LTD3 | 197 SCOTT SWAMP ROAD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.01% |
| KENNETH S BETTENHAUSER3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.62% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS LLC | 34 E INDUSTRIAL RD STE 5 BRANFORD, CT 06405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $356 | — | $356 | 2.38% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH WAY WALLINGFORD, CT 06492 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $242 | $242 | 1.62% |
| KENNETH S BETTENHAUSER3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.96% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH WAY WALLINGFORD, CT 06492 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $205 | $205 | 1.61% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS LLC | 34 E INDUSTRIAL RD STE 5 BRANFORD, CT 06405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $161 | — | $161 | 1.26% |
| KENNETH S BETTENHAUSER3 | 15 BERKSHIRE RD MANSFIELD, MA 02048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $415 | — | $415 | 11.85% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS LLC | 34 E INDUSTRIAL RD STE 5 BRANFORD, CT 06405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66 | — | $66 | 1.89% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH WAY WALLINGFORD, CT 06492 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $55 | $55 | 1.57% |
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 | 86 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHYCT | 171 | $570K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 6 | $71K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $4K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $15K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.