| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACBI, INC.3 Filed as: ACBI INC | 2 CORPORATE DRIVE SHELTON, CT 06484 | SUN LIFE ASSURANCE COMPANY OF CANADA | $79K | $0 | $79K | 12.10% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | $0 | $34K | 5.18% |
| SEAN J RABINOWITZ3 Filed as: SEAN J. RABINOWITZ | 367 2ND AVENUE BRANFORD, CT 06405 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 2.72% |
| ACBI, INC.3 Filed as: ACBI INC | 124 SEVEN HILLS LAKE DRIVE KENT LAKES, NY 10512 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $0 | $23K | 5.74% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS | 2 CORPORATE DRIVE, SUITE 335 SHELTON, CT 06484 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.21% |
| ACBI, INC.3 Filed as: ACBI INC | PO BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 20.42% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $87 | $2K | 2.96% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.01% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.94% |
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 | 648 | 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) | 648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,066 | $406K |
| Vision | VISION SERVICE PLAN | 438 | $44K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 648 | $656K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 648 | $656K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 648 | $656K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 648 | $709K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,066 | — |
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.