| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $205K | $220K | 4.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8333 NW 53RD STREET, SUITE 600 MIAMI, FL 33166 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 0.14% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $2K | $18K | 29.45% |
| TFC INSURANCE AGENCY INC3 Filed as: TFC INSURANCE AGENCY, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $956 | $154 | $1K | 1.84% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 24.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8333 NW 53RD STREET MIAMI, FL 33166 | EYEMED | $2K | $0 | $2K | 10.00% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $972 | $154 | $1K | 18.73% |
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 | 1,069 | 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) | 1,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,069 | $5.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,069 | $5.4M |
| Vision | EYEMED | 364 | $20K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,069 | $5.4M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 116 | $66K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,069 | $5.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,069 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,069 | — |
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."
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.