| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINDQUIST INSURANCE ASSOCIATES, INC3 | 11 MELROSE DR STE 100 FARMINGTON, CT 06032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.51% |
| LINDQUIST INSURANCE ASSOCIATES, INC3 Filed as: LINDQUIST INSURANCE ASSOCIATES | 11 MELROSE DR STE 100 FARMINGTON, CT 06032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.00% |
| LINDQUIST INSURANCE ASSOCIATES, INC3 Filed as: LINDQUIST INSURANCE ASSOCIATES INC | 11 MELROSE DRIVE SUITE 100 FARMINGTON, CT 06032 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $6K | $12K | 10.41% |
| LINDQUIST INSURANCE3 | 11 MELROSE DR. SUITE 100 FARMINGTON, CT 06032 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.46% |
| LINDQUIST INSURANCE ASSOCIATES, INC3 Filed as: LINDQUIST INSURANCE ASSOCIATES INC | 11 MELROSE DR STE 100 FARMINGTON, CT 06032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 22.37% |
| ERIC THEODORE LINDQUIST3 | 5 MELROSE DR BLDG D FARMINGTON, CT 06032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132 | $0 | $132 | 0.54% |
| LINDQUIST INSURANCE ASSOCIATES, INC3 Filed as: LINDQUIST INSURANCE ASSOCIATES | 11 MELROSE DR STE 100 FARMINGTON, CT 06032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $209 | $0 | $209 | 11.98% |
| LINDQUIST INSURANCE ASSOCIATES, INC3 Filed as: LINDQUIST INSURANCE ASSOCIATES | 11 MELROSE DR STE 100 FARMINGTON, CT 06032 | FIRST UNUM LIFE INSURANCE COMPANY | $147 | $0 | $147 | 17.93% |
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 | 416 | 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) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 307 | $57K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 520 | $142K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5 | $2K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 520 | $159K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 520 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.