| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 1200 E TAFT STREET SAPULPA, OK 74066 | TRUSTMARK INSURANCE COMPANY | $16K | — | $16K | 6.09% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE - PO BOX 527 FARMINGTON, CT 06034 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 3.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVS - PALM BEACH | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 1.68% |
| DWIGHT L PIERCE3 | 7325 S FULTON TULSA, OK 74136 | TRUSTMARK INSURANCE COMPANY | $68 | — | $68 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER-WORKSITE BENEFIT SVS | 800 CAPITAL CIRCLE, SE UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $36 | — | $36 | 0.01% |
| THE FARMINGTON COMPANY3 | P.O. BOX 527 FARMINGTON, CT 06034 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $102K | — | $102K | 66.97% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR FARMINGTON, CT 06034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44K | — | $44K | 58.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $152 | $3K | 4.20% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.01% |
| THE FARMINGTON COMPANY3 | P.O. BOX 1112 FARMINGTON, CT 06034 | LEGAL ACCESS PLANS, LLC | $2K | — | $2K | 30.00% |
| THE FARMINGTON COMPANY3 | P.O. BOX 527 FARMINGTON, CT 06034 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 67.49% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES LLC (1KY30) | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | — |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON COMPANY INC | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES LLC (1KY20) | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $878 | — | $878 | — |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES LLC (3EGF0) | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $600 | — | $600 | — |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION ROAD TALLAHASSEE, FL 32303 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $467 | — | $467 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BNFT SVCS INC | 2056 VISTA PARKWAY STE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $242 | — | $242 | — |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES LLC (0EEN0) | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | — |
| MICHAEL J MASTERSON3 | PO BOX 246 BOCA RATON, FL 33429 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | — |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES LLC (4WKH0) | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | — |
| DAVID G SHORE3 Filed as: DAVID HUSSON | 2925 NW 126 AVE, SUITE 307-1 SUNRISE, FL 33323 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | — |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DR, SUITE 307-1 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | 900 COTTAGE GROVE ROAD 317 HARTFORD, CT 06152 | $362K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $35K |
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 | 1,099 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,099 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,860 | $1.7M |
| Vision | VISION SERVICE PLAN | 703 | $53K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 1,199 | $477K |
| Short-term disability(5 contracts, 4 carriers) | TRUSTMARK INSURANCE COMPANY | 1,199 | $633K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,199 | $283K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,860 | $1.7M |
| Other(8 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,860 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,860 | — |
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.