| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYNN GURNHAM3 | 34 E INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 064056531 | KAISER FOUNDATION HEALTH PLAN INC | $39K | — | $39K | 6.09% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS | 34 EAST INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $61K | $5K | $67K | 14.45% |
| MATTHEW D LIBBY3 | 164 COMPO ROAD SOUTH WESTPORT, CT 06880 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 4.88% |
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 | 393 | 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) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 228 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 393 | $315K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 393 | $315K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 393 | $315K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 393 | $315K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 393 | $315K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 393 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.