| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SETH JASON KALKSTEIN3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $560 | $3K | 3.33% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 29 S. MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $536 | $3K | 3.30% |
| KEVIN SPAHN3 | 377 E BUTTERFIELD RD STE 400 LOMBARD, IL 60148 | NORTHWESTERN MUTUAL | $1K | $403 | $2K | 2.26% |
| RON OLSON3 | 700 CENTRAL AVE STE 300 ST. PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $1K | $353 | $2K | 2.19% |
| PIZZUTI GROUP LLC3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $598 | $72 | $670 | 0.83% |
| STRIANO FNCL GRP LLC3 Filed as: STRIANO FINANCIAL GROUP INC | 1515 S FEDERAL HWY STE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $250 | $60 | $310 | 0.39% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVE STE 300 ST. PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $141 | $51 | $192 | 0.24% |
| HARRY KRISTOPHER MATHUR3 | 377 E BUTTERFIELD RD STE 400 LOMBARD, IL 60148 | NORTHWESTERN MUTUAL | $141 | $51 | $192 | 0.24% |
| GORIS FNCL GROUP INC3 Filed as: GORIS FINANCIAL GROUP INC. | SUITE 1200 5215 OLD ORCHARD ROAD SKOKIE, IL 60077 | NORTHWESTERN MUTUAL | $141 | $17 | $158 | 0.20% |
| O'CONNELL FINANCIAL GROUP, INC.3 Filed as: O'CONNELL FINANCIAL GROUP INC. | 1511 N WEST SHORE BLVD STE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $141 | $17 | $158 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 9.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 INSURANCE COMPANY | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | — | $25K |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $79K |
| Life insurance | NORTHWESTERN MUTUAL | 181 | $81K |
| Short-term disability | NORTHWESTERN MUTUAL | 181 | $81K |
| Long-term disability | NORTHWESTERN MUTUAL | 181 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.