| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SETH KALKSTEIN3 Filed as: SETH J. KALKSTEIN | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | HARTFORD LIFE AND ACCIDENT | $44K | $0 | $44K | 4.58% |
| E P AMATA3 | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | HARTFORD LIFE AND ACCIDENT | $44K | — | $44K | 4.58% |
| KEVIN M. OLSON3 Filed as: KEVIN M OLSON | 1901 BUTTERFIELD RD, SUITE 450 DOWNERS GROVE, IL 60515 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| AFFILIATED BENEFIT CONSULTANTS3 Filed as: AFFILIATED BUSINESS CONSULTANTS | 1111 W. 22ND STREET, SUITE 620 OAK BROOK, IL 60523 | EYEMED VISION CARE | $5K | $0 | $5K | 6.60% |
| AFFILIATED BENEFIT CONSULTANTS3 | 1111 W 22 STREET SUITE 620 OAK BROOK, IL 60523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| AFFILIATED BENEFIT CONSULTANTS3 | 1111 W. 22ND STREET, SUITE 620 OAK BROOK, IL 60523 | EYEMED VISION CARE | $3K | $0 | $3K | 1462.64% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $63K |
| Vision(2 contracts) | EYEMED VISION CARE | 1,371 | $76K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,723 | $956K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,723 | $956K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 359 | $315K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,723 | $956K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,723 | — |
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.