| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $134K | — | $134K | 7.66% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $133K | — | $133K | 7.66% |
| MATTHEW LIBBY3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 2.34% |
| GARY M SUDHALTER3 | 7201 WISCONSIN AVENUE SUITE 705 BETHESDA, MD 20814 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 2.34% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG ASSOCIATES OF CONNECTICUT, LLC | 1575 BOSTON POST ROAD SUITE G GUILFORD, CT 06437 | KAISER FOUNDATION HEALTH PLAN INC | — | $129 | $129 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT RESOURCES | 3 BETHESDA METRO CENTER SUITE 460 BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 4.56% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS LLC | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 4.56% |
| MATTHEW D LIBBY3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 7.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT RESOURCES | 3 BETHESDA METRO SUITE 460 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 7.50% |
| GARY M SUDHALTER3 Filed as: GARY SUDHALTER | 3 BETHESDA METRO CENTER SUITE 460 BETHESDA, MD 20814 | VISION SERVICE PLAN | $6K | — | $6K | 5.00% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS, LLC | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | VISION SERVICE PLAN | $6K | — | $6K | 5.00% |
| MATTHEW LIBBY3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 2.41% |
| GARY M SUDHALTER3 | 7201 WISCONSIN AVENUE SUITE 705 BETHESDA, MD 20814 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 2.41% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT RESOURCES | — | AETNA LIFE INSURANCE COMPANY | $830 | — | $830 | 4.86% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS, LLC | — | AETNA LIFE INSURANCE COMPANY | $830 | — | $830 | 4.86% |
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 | 1,693 | 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) | 1,693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,119 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,119 | $1.7M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 899 | $142K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 807 | $790K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 807 | $952K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 807 | $790K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,119 | $1.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 807 | $790K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,119 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.