| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS LLC | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | SUN LIFE ASSURANCE COMPANY OF CANADA | $83K | $0 | $83K | 14.55% |
| SEAN CARNEY3 Filed as: SEAN RABINOWITZ | 7 5TH AVE BRANFORD, CT 06405 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | $0 | $32K | 5.53% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS, INC. | 2 CORPORATE DR STE 335 SHELTON, CT 064846238 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $0 | $41K | 9.91% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS, INC. | 2 CORPORATE DR. STE 335 SHELTON, CT 06484 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $40K | $0 | $40K | 10.00% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS, INC. | 2 CORPORATE DR SUITE 335 SHELTON, CT 06484 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 26.36% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79 | $0 | $79 | 0.16% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISE | 738 N. FIRST ST SAN JOSE, CA 95112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | -$28 | -$28 | -0.06% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS, INC. | 2 CORPORATE DR. SUITE 335 SHELTON, CT 06484 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.92% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS LLC | 2 CORPORATE SHELTON, CT 06484 | CHUBB | $3K | $192 | $3K | 16.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $391K |
| ASSOC COMMUNITY BROKERS BROKER/CONSULTANT | Insurance agents and brokers Service code 22 | 2150 POST ROAD FAIRFIELD, CT 06824 | $35K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 CLAIM ADMINISTRATION | Claims processing Service code 12 | ONE SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 024815699 | $20K |
| RABINOWITZ, SEAN J BROKER/CONSULTANT | Insurance agents and brokers Service code 22 | 37 2ND AVE BRANFORD, CT 06405 | $1K |
| ASSOCIATED COMMUNITY BROKERS BROKER/CONSULTANT | Insurance agents and brokers Service code 22 | 2 CORPORATE DRIVE SHELTON, CT 06484 | $432 |
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 | 614 | 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) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,435 | $412K |
| Vision | VISION SERVICE PLAN | 401 | $44K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 614 | $572K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 614 | $622K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 614 | $572K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 457 | $402K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 614 | $591K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,435 | — |
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.