| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATT LIBBY3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 20150 | AETNA LIFE INSURANCE COMPANY | $49K | — | $49K | 4.15% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY, INC. | 6300 BRIDGEPOINT PARKWAY BUILDING 3 #500 AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $20K | — | $20K | 1.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT RESOURCES, LLC | 7201 WISCONSIN AVE #705 BETHESDA, MD 20814 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT RESOURCES LLC | 7201 WISCONSIN AVENUE SUITE 705 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $90K | — | $90K | 9.85% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $71K | $3K | $74K | 8.16% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | — | $19K | 2.05% |
| MATTHEW LIBBY3 | 34 E INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | KAISER FOUNDATION HEALTH PLAN, INC. | $26K | — | $26K | 4.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT RESOURCES | 7201 WISCONSIN AVENUE SUITE 705 BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 4.45% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 3.38% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS, LLC | 34 E INDUSTRIAL ROAD SUITE 5 BRANDFORD, CT 06405 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.07% |
| GARY M SUDHALTER3 Filed as: GARY SUDHALTER | 7201 WISCONSIN AVENUE SUITE 705 BETHESDA, MD 20814 | VISION SERVICE PLAN | $1K | — | $1K | 1.48% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $930 | — | $930 | 1.23% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS, LLC | 34 E INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | VISION SERVICE PLAN | $74 | — | $74 | 0.10% |
| MATT LIBBY3 | 34 EAST INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 20150 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.63% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY, INC. | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $505 | — | $505 | 2.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT RESOURCES, LLC | 7201 WISCONSIN AVE #705 BETHESDA, MD 20814 | TRANSAMERICA LIFE INSURANCE COMPANY | $49 | — | $49 | 0.21% |
| BB&T INSURANCE SERVICES, INC.3 | 3975 FAIR RIDGE DRIVE FAIRFAX, VA 22033 | AETNA LIFE INSURANCE COMPANY | $629 | — | $629 | 4.97% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT RESOURCES | — | AETNA LIFE INSURANCE COMPANY | $629 | — | $629 | 4.97% |
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 | 1,461 | 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) | 1,461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,461 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,461 | $909K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 610 | $88K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 680 | $489K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 680 | $466K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 680 | $466K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,461 | $909K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 680 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,461 | — |
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.
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.