| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FARMINGTON COMPANY3 | PO BOX 527 FARMINGTON, CT 06034 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $75K | — | $75K | 31.21% |
| THE FARMINGTON COMPANY3 | PO BOX 527 FARMINGTON, CT 06034 | TRUSTMARK INSURANCE COMPANY | $28K | — | $28K | 13.94% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT STREET SAPULPA, OK 74066 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 5.24% |
| 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 | $2K | — | $2K | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER-WORKSITE BENEFIT SVS | 800 CAPITAL CIRCLE, SE UNIT 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $31 | — | $31 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $505 | $505 | 0.53% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | — | $26K | 28.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $46 | $2K | 1.89% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $492 | $364 | $856 | 0.93% |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON COMPANY INC | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 7.45% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOL. (1KY30) | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 7.23% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOL. (1KY20) | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $821 | — | $821 | 1.04% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOL. (3EGF0) | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $487 | — | $487 | 0.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BNFT SVCS INC | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $220 | — | $220 | 0.28% |
| FBMC BENEFITS MANAGEMENT INC3 | 3101 SESSION ROAD TALLAHASSEE, FL 32303 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | — | $159 | 0.20% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOL.(0EEN0) | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.07% |
| MICHAEL J MASTERSON3 | PO BOX 246 BOCA RATON, FL 33429 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOL. (4WKH0) | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| DAVID G SHORE3 Filed as: DAVID HUSSON | 2925 NW 126 AVE, SUITE 307-1 SUNRISE, FL 33323 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DR, SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $347 | $347 | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $372 | $372 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $215 | $215 | 0.56% |
| DALE FINN3 | 2081 VISTA PKWY, SUITE 300 WEST PALM BEACH, FL 33472 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 29.46% |
| ESKRA & ASSOCIATES INC Filed as: ESKRA AND ASSOCIATES INC | 100 MIRACLE MILE, SUITE 250 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 24.49% |
| MICHAEL CHARLES TYLER3 | 4290 LAKE LUCERNE CIRCLE WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVS - PALM BEACH | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | LEGAL ACCESS PLANS, LLC | $1K | — | $1K | 19.02% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOL. (1KY20) | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - 88760 | $458 | — | $458 | 6.78% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOL. (1KY30) | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - 88760 | $301 | — | $301 | 4.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - 88760 | $163 | — | $163 | 2.41% |
| KENNETH J GAMELIN3 | 1217 LAKE GENEVA DR LAKE WORTH, FL 334616043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - 88760 | $30 | — | $30 | 0.44% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOL. (0EEN0) | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - 88760 | $8 | — | $8 | 0.12% |
| ABBIE ANN PATTERSON3 Filed as: ABBIE A PATTERSON | 4001 SOUTH OCEAN BLVD, SUITE 213 SOUTH PALM BEACH, FL 33480 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - 88760 | $7 | — | $7 | 0.10% |
| MICHAEL J MASTERSON3 | PO BOX 246 BOCA RATON, FL 33429 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - 88760 | $1 | — | $1 | 0.01% |
| THE FARMINGTON COMPANY3 | PO BOX 527 FARMINGTON, CT 06034 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 32.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Other services; Named fiduciary; Participant communication; Non-monetary compensation Service code 12 | 900 COTTAGE GROVE ROAD 317 HARTFORD, CT 06152 | $524K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $34K |
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 | 1,077 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,803 | $1.8M |
| Vision | VISION SERVICE PLAN | 700 | $55K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 1,464 | $300K |
| Short-term disability(7 contracts, 6 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 863 | $637K |
| Long-term disability(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 309 | $222K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,803 | $1.8M |
| Other(11 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,803 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,803 | — |
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.