| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | HARTFORD LIFE AND ACCIDENT | $0 | $40K | $40K | 1.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 1.78% |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON CO | P.O. BOX 527 FARMINGTON, CT 060340527 | KANAWHA INSURANCE COMPANY | $89K | $14K | $102K | 18.16% |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON CO | P.O. BOX 527 FARMINGTON, CT 060340527 | MANHATTANLIFE | $21K | — | $21K | 5.32% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR P.O. BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $3K | $36K | 17.11% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 10.02% |
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 | 4,594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PHYSICIANS EYECARE PLAN, INC. | 6,724 | $720K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,561 | $2.3M |
| Short-term disability(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 2,134 | $958K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,561 | $2.3M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,594 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,724 | — |
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."
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.