| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACBI, INC.3 | 2 CORPORATE DRIVE, SUITE 335 SHELTON, CT 06484 | SUN LIFE ASSURANCE COMPANY OF CANADA | $82K | $0 | $82K | 13.31% |
| SEAN J RABINOWITZ3 Filed as: SEAN J. RABINOWITZ | 37 2ND AVENUE BRANFORD, CT 06405 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | $0 | $34K | 5.53% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS, INC. | 2 CORPORATE DRIVE, SUITE 335 SHELTON, CT 06484 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 1.09% |
| ACBI, INC.3 | 2 CORPORATE DRIVE, SUITE 335 SHELTON, CT 06484 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $0 | $30K | 7.42% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS, INC. | 2 CORPORATE DRIVE, SUITE 335 SHELTON, CT 06484 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.63% |
| ACBI, INC.3 | PO BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 28.34% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.01% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS, INC. | 2 CORPORATE DRIVE, SUITE 335 SHELTON, CT 06484 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.52% |
| ACBI, INC.3 | 2 CORPORATE DRIVE, SUITE 335 SHELTON, CT 06484 | VISION SERVICE PLAN | $166 | $0 | $166 | 0.37% |
| ACBI, INC.3 | 2 CORPORATE DRIVE, SUITE 335 SHELTON, CT 06484 | HARTFORD FIRE INSURANCE COMPANY | $927 | $0 | $927 | 15.00% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS, INC. | 2 CORPORATE DRIVE, SUITE 335 SHELTON, CT 06484 | SUN LIFE ASSURANCE COMPANY OF CANADA | $248 | $0 | $248 | 5.56% |
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 | 576 | 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) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,366 | $398K |
| Vision | VISION SERVICE PLAN | 391 | $45K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 576 | $619K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 576 | $624K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 576 | $619K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 576 | $681K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,366 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.