| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 185 ASYLUM STREET 25TH FLOOR HARTFORD, CT 06103 | HEALTHYCT | $14K | — | $14K | 2.16% |
| KENNETH S BETTENHAUSER3 Filed as: KENNETH BETTENHAUSER | 905B SOUTH MAIN STREET SUITE 203 MANSFIELD, MA 02048 | HEALTHYCT | $12K | — | $12K | 1.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 185 ASYLUM STREET 25TH FLOOR HARTFORD, CT 06103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.81% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.78% |
| HRK BROKERAGE SERVICES LLC3 | 15 BERKSHIRE ROAD SUITE B MANSFIELD, MA 02048 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $568 | — | $568 | 0.91% |
| MW FINANCIAL GROUP LTD3 | 197 SCOTT SWAMP ROAD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $177 | — | $177 | 0.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 6.82% |
| HRK BROKERAGE SERVICES LLC3 | 905B SOUTH MAIN STREET SUITE 203 MANSFIELD, MA 02048 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT | PO BOX 414965 BOSTON, MA 02241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $450 | — | $450 | 7.07% |
| HRK BROKERAGE SERVICES LLC3 | 905B SOUTH MAIN STREET SUITE 203 MANSFIELD, MA 02048 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $229 | — | $229 | 3.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT | PO BOX 414965 BOSTON, MA 02241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4 | — | $4 | 8.70% |
| HRK BROKERAGE SERVICES LLC3 | 905B SOUTH MAIN STREET SUITE 203 MANSFIELD, MA 02048 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1 | — | $1 | 2.17% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHYCT | 187 | $653K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $62K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 124 | $6K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 104 | $42K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 104 | $42K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 104 | $42K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 104 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.