| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NE, DBA 360 CORP BENE | 1375 KINGS HIGHWAY-SUITE 215 FAIRFIELD, CT 06824 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $4K | $58K | $62K | 3.41% |
| PAUL LAMBERT-360 CORP BENEFIT ADV3 | 1375 KINGS HIGHWAY-SUITE 215 FAIRFIELD, CT 06824 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $2K | $27K | $29K | 1.59% |
| PAUL LAMBERT-360 CORP BENEFIT ADV3 | 1375 KINGS HIGHWAY-SUITE 215 FAIRFIELD, CT 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.55% |
| PAUL LAMBERT-360 CORP BENEFIT ADV3 | 1375 KINGS HIGHWAY - SUITE 215 FAIRFIELD, CT 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| PAUL LAMBERT-360 CORP BENEFIT ADV3 | 1375 KINGS HIGHWAY-SUITE 215 FAIRFIELD, CT 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.70% |
| PAUL LAMBERT-360 CORP BENEFIT ADV3 | 1375 KINGS HIGHWAY-SUITE 215 FAIRFIELD, CT 06824 | VISION SERVICE PLAN | $803 | — | $803 | 3.42% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 1375 KINGS HIGHWAY-SUITE 215 FAIRFIELD, CT 06824 | VISION SERVICE PLAN | $372 | — | $372 | 1.58% |
| PAUL LAMBERT-360 CORP BENEFIT ADV3 Filed as: PAUL LAMBERT/360 CORP BENEFIT ADV | 1375 KINGS HIGHWAY-SUITE 215 FAIRFIELD, CT 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| PAUL LAMBERT-360 CORP BENEFIT ADV3 Filed as: PAUL LAMBERT/360 CORP BENEFIT ADV | 1375 KINGS HIGHWAY-SUITE 215 FAIRFIELD, CT 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $872 | — | $872 | 10.00% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 246 | $1.8M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 246 | $1.8M |
| Vision | VISION SERVICE PLAN | 167 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $63K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $42K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.