| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW LIBBY3 Filed as: MATTHEW DENNIS LIBBY | 34 E INDUSTRIAL RD STE 5 BRANFORD, CT 06405 | UNITED HEALTHCARE INSURANCE COMPANY | $72K | — | $72K | 4.66% |
| LYNN GURNHAM3 | 34 E INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 064056531 | KAISER FOUNDATION HEALTH PLAN INC | $38K | — | $38K | 5.33% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.72% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS, LLC | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $517 | $2K | 3.10% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.48% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS, LLC | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $603 | $5K | 8.18% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.41% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS, LLC | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $483 | $156 | $639 | 2.28% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | UNUM INSURANCE COMPANY | $3K | — | $3K | 14.94% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | UNUM INSURANCE COMPANY | $2K | — | $2K | 14.73% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 947 | $2.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 947 | $1.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 947 | $1.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $65K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $63K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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.