| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING , INC. | 30 WATERSIDE DRIVE ATTN STEPHANIE ATTRUIA CORP ACCOUNT FARMINGTON, CT 06032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $66K | — | $66K | 3.98% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $50K | — | $50K | 3.03% |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON CO. | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $30K | $30K | 1.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING , INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $12K | $12K | 0.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 EAST RANDOLPH ST STE 900 CHICAGO, IL 60601 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $1K | $1K | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | SIRIUS AMERICA INSURANCE COMPANY | $1K | — | $1K | 8.26% |
| MHA INSURANCE AGENCY3 | 5 NEW ENGLAND EXECUTIVE PARK BURLINGTON, MA 01803 | SIRIUS AMERICA INSURANCE COMPANY | $629 | — | $629 | 5.16% |
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 | 166,463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,221 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 169,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 146,510 | $14.3M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 146,538 | $24.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,400 | $993K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 93,856 | $26.2M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 161,770 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161,770 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.