| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 65 MEMORIAL ROAD, SUITE C100 WEST HARTFORD, CT 06107 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $0 | $33K | 3.30% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 1.07% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.67% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 240 MAIN STREET, SUITE A FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.22% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $129 | $6K | 7.75% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER-SHEPLEY, INC. | PO BOX 549 PROVIDENCE, RI 02901 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $4K | $5K | 7.03% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $17 | $3K | 3.81% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $931 | $747 | $2K | 2.20% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $580 | $580 | 0.76% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 7 G GATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $451 | $5K | 8.69% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS. BROK | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $424 | $2K | 3.88% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.64% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $722 | $421 | $1K | 2.15% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 14 BUSINESS PARK DRIVE, SUITE 8 BRANFORD, CT 06405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.02% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $997K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $76K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $76K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $53K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $997K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
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.
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.