| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY K. BALOGH3 | 22 GATES ROAD ESSEX, CT 06426 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 7.50% |
| SETH J. KALKSTEIN3 | 68 BRENTWOOD DRIVE GLASTONBURY, CT 06033 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 7.50% |
| GREGORY K. BALOGH3 Filed as: GREGORY BALOGH | 22 GATES ROAD ESSEX, CT 06426 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.40% |
| E. AMATA3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.30% |
| PIA ADVISORY INC3 | 152 RYEGATE TERRACE STRATFORD, CT 06615 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.64% |
| CHRISTOPHER PIA3 | 99 HAWLEY LANE, SUITE 1400 STRATFORD, CT 06614 | ANTHEM LIFE INSURANCE COMPANY | $283 | $0 | $283 | 0.66% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $193 | $0 | $193 | 2.50% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $193 | $0 | $193 | 2.50% |
| STEVEN D. ZIROLLI3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $193 | $0 | $193 | 2.50% |
| GREGORY K. BALOGH3 | 22 GATES ROAD ESSEX, CT 06426 | STANDARD INSURANCE COMPANY | $193 | $0 | $193 | 2.50% |
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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 758 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS, INC. | 623 | $28K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 759 | $51K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 746 | $108K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 759 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.