| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS LLC | 2150 POST ROAD FAIRFIELD, CT 06824 | SUN LIFE ASSURANCE COMPANY OF CANADA | $71K | $0 | $71K | 14.37% |
| SEAN CARNEY3 Filed as: SEAN RABINOWITZ | 7 5TH AVE BRANFORD, CT 06405 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $0 | $28K | 5.63% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS, INC. | 2150 POST ROAD FAIRFILED, CT 06824 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $0 | $38K | 9.99% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS, INC. | 2150 POST ROAD FAIRFIELD, CT 06842 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $36K | $0 | $36K | 10.00% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS, INC. | 2150 POST ROAD FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 17.95% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.30% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS, INC. | 2150 POST RD FAIRFIELD, CT 06824 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Claims processing; Non-monetary compensation; Participant communication; Other services; Named fiduciary; Direct payment from the plan; Float revenue Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $415K |
| ASSOC COMMUNITY BROKERS BROKER/CONSULTANT | Insurance agents and brokers Service code 22 | 2150 POST ROAD FAIRFIELD, CT 06824 | $38K |
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 | 424 | 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) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,385 | $384K |
| Vision | VISION SERVICE PLAN | 397 | $43K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 570 | $492K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 570 | $540K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 570 | $492K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 424 | $356K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 570 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,385 | — |
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.