| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | ANTHEM HEALTH PLANS, INC. | $0 | $1K | $1K | 4.72% |
| NESSO BENEFITS, LLC.3 Filed as: NESSO BENEFITS, LLC | 409 CANAL STREET MILLDALE, CT 06467 | ANTHEM HEALTH PLANS, INC. | $858 | $0 | $858 | 3.36% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | ANTHEM HEALTH PLANS, INC. | $348 | $0 | $348 | 1.36% |
| NESSO BENEFITS, LLC.3 Filed as: NESSO BENEFITS, LLC | 130 RESEARCH PARKWAY MERIDEN, CT 06450 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 8.54% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | SUN LIFE ASSURANCE COMPANY OF CANADA | $912 | $0 | $912 | 4.03% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $827 | $827 | 3.65% |
| NESSO BENEFITS, LLC.3 Filed as: NESSO BENEFITS, LLC | 409 CANAL STREET MILLDALE, CT 06467 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 17.83% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $474 | $474 | 5.94% |
| NESSO BENEFITS, LLC.3 Filed as: NESSO BENEFITS, LLC | PO BOX 790 MILLDALE, CT 06467 | UNITEDHEALTHCARE INSURANCE COMPANY | $197 | $0 | $197 | 6.45% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | UNITEDHEALTHCARE INSURANCE COMPANY | $80 | $0 | $80 | 2.62% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | UNITEDHEALTHCARE INSURANCE COMPANY | $40 | $0 | $40 | 1.31% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS, INC. | 68 | $26K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 46 | $3K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 177 | $8K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $23K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 177 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.