| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG ASSOCIATES OF CT LLC | 34 E INDUSTIAL RD SUITE 5 BRANFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 17.26% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PKWY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$30 | — | -$30 | -0.02% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS | 34 E INDUSTRIAL RD, SUITE 5 BRANFORD, CT 06405 | UNITED OF OMAHA INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 E INDUSTRIAL RD., SUITE 5 BRANFORD, CT 06405 | DELTA DENTAL OF CONNECTICUT INC | $7K | — | $7K | 7.80% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 E INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.79% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $395 | — | $395 | 2.99% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS | 34 E INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | — | $5K | 56.18% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $883 | — | $883 | 13.79% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | ALPHA DENTAL PROGRAMS INC | $128 | — | $128 | 3.00% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 E INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $550 | — | $550 | 13.65% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $180K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CONNECTICUT INC | 234 | $96K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $13K |
| Life insurance | UNITED OF OMAHA INSURANCE COMPANY | 213 | $102K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 213 | $110K |
| Long-term disability | UNITED OF OMAHA INSURANCE COMPANY | 213 | $102K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 213 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.