| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CT INC. | 520 CROMWELL AVE. ROCKY HILL, CT 060671864 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 0.26% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO | $2K | — | $2K | 11.76% |
| ASSURANCE AGENCY LTD3 Filed as: MEDICARE ASSURANCE GROUP LLC | 7365 MAIN ST STRATFORD, CT 06614 | TRANSAMERICA LIFE INSURANCE CO | $867 | — | $867 | 5.88% |
| ASSURANCE AGENCY LTD3 Filed as: MEDICARE ASSURANCE GROUP LLC | 7365 MAIN ST STRATFORD, CT 06614 | ELIXIR INSURANCE COMPANY | $208 | — | $208 | 3.40% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ELIXIR INSURANCE COMPANY | $198 | — | $198 | 3.24% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | COMPANION LIFE INSURANCE COMPANY - COLUMBIA | $348 | — | $348 | 8.19% |
| ASSURANCE AGENCY LTD3 Filed as: MEDICARE ASSURANCE GROUP LLC | 7365 MAIN ST STRATFORD, CT 06614 | COMPANION LIFE INSURANCE COMPANY - COLUMBIA | $142 | — | $142 | 3.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEBA, INC EIN 65-0498809 NONE | Contract Administrator; Copying and duplicating Service code 13 | — | $136K |
| SUGARMAN AND SUSSKIND P.A. EIN 59-2539792 NONE | Legal Service code 29 | — | $74K |
| BROWN & BROWN EIN 59-3014567 NONE | Consulting (general) Service code 16 | — | $50K |
| IBEW LOCAL NO. 728 UNION EIN 59-0304061 RELATED LABOR UNION | Other services Service code 49 | — | $45K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $27K |
| CAPTRUST EIN 26-0058143 NONE | Investment advisory (plan) Service code 27 | — | $9K |
| PROFUND SOLUTIONS LLC NONE | Consulting (general) Service code 16 | 9404 WEST 145TH TERRACE OVERLAND PARK, KS 66221 | $8K |
| BOYD WATTERSON ASSET MANAGEMENT EIN 34-1922005 NONE | Investment management Service code 28 | — | $8K |
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 | 831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,779 | $9.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,779 | $9.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,779 | $9.9M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY - COLUMBIA | 4 | $4K |
| Prescription drug | ELIXIR INSURANCE COMPANY | 4 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,779 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.