| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG ASSOCIATES OF CT, LLC | 34 EAST INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $226K | $0 | $226K | 9.95% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $117K | $0 | $117K | 5.17% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG ASSOCIATES OF CT, LLC | 34 EAST INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $69K | $0 | $69K | 5.73% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $52K | $0 | $52K | 4.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $26K | $26K | 2.14% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG ASSOCIATES OF CT, LLC | 34 EAST INDUSTRIAL ROAD, SUITE 5 BRANFORD, MA 06405 | DELTA DENTAL OF CONNECTICUT, INC. | $38K | $0 | $38K | 4.37% |
| LOCKTON COMPANIES, LLC3 | PO BOX 3207 BOSTON, MA 02241 | DELTA DENTAL OF CONNECTICUT, INC. | $25K | $0 | $25K | 2.88% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.32% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.21% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS, LLC | UNKNOWN NEW HAVEN, CT 06513 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.02% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN NEW HAVEN, CT 06513 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $451 | $451 | 0.34% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG ASSOCIATES OF CT, LLC | 34 EAST INDUSTRIAL ROAD, SUITE 5 BRANFORD, MA 06405 | ALPHA DENTAL PROGRAMS, INC. | $600 | $0 | $600 | 1.73% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | ALPHA DENTAL PROGRAMS, INC. | $441 | $0 | $441 | 1.27% |
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 | 2,080 | 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) | 2,080 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,360 | $2.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CONNECTICUT, INC. | 2,314 | $913K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,524 | $134K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,080 | $1.2M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,080 | $1.2M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,080 | $1.2M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,360 | $2.3M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,360 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,360 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.