| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT ADM CT INC3 Filed as: GROUP BENEFIT ADM OF CT | 109 SANFORD ST HAMDEN, CT 06514 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 3.60% |
| BLUEPRINT BENEFIT ADVISORS3 | 109 SANFORD ST HAMDEN, CT 06514 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.38% |
| GROUP BENEFIT ADMININ OF CT3 | 109 STANFORD STREET HAMDEN, CT 06514 | BLUE CROSS BLUESHIELD OF TEXAS | $31K | — | $31K | 4.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400 SOUTH DALLAS, TX 75251 | BLUE CROSS BLUESHIELD OF TEXAS | $7K | — | $7K | 1.17% |
| GROUP BENEFIT ADMINISTRATORS OF CT3 | 37 BROADWAY, 2ND FLOOR NORTH HAVEN, CT 06473 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $7K | $10K | 7.58% |
| GROUP INSURANCE ASSOCIATES3 | 8 HAZEL TERRACE WOODBRIDGE, CT 06525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.56% |
| GROUP BENEFIT ADMNSTR OF CT3 | 109 SANFORD ST HAMDEN, CT 06514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.63% |
| GROUP INSURANCE ASSOCIATES3 | 8 HAZEL TERRACE WOODBRIDGE, CT 06525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $845 | $845 | 3.03% |
| GROUP BENEFIT ADMINISTRATORS OF CT3 | 109 SANFORD ST HAMDEN, CT 06514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GROUP INSURANCE ASSOCIATES3 | 8 HAZEL TERRACE WOODBRIDGE, CT 06525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $347 | $347 | 2.95% |
| GROUP BENEFIT ADMINISTRATORS OF CT3 | 109 SANFORD STREET HAMDEN, CT 06514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GROUP INSURANCE ASSOCIATES3 | 8 HAZEL TERRACE WOODBRIDGE, CT 06525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $285 | $285 | 2.54% |
| GROUP BENEFIT ADMINISTRATORS OF CT3 | 109 SANFORD STREET HAMDEN, CT 06514 | ANTHEM LIFE INSURANCE COMPANY | $751 | — | $751 | 7.43% |
| GROUP BENEFIT ADMINISTRATORS OF CT3 | 109 SANFORD STREET HAMDEN, CT 06514 | EYEMED VISION CARE | $237 | — | $237 | 3.43% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $2.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $133K |
| Vision(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 246 | $18K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $38K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 217 | $10K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $22K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
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.