| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIANGLE BENEFITS, INC.3 Filed as: TRIANGLE BENEFITS INC | 14 BRICK WALK LN FARMINGTON, CT 060322313 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $233K | $233K | 5.34% |
| MAURICE P ANDRIEN3 | 47 CARNOUSTIE CIRCLE BLOOMFIELD, CT 06002 | THE GUARDIAN LIFE INSURANCE COMPANY | $81K | $0 | $81K | 10.37% |
| TRIANGLE BENEFITS, INC.3 | 14 BRICK WALK LANE FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 2.12% |
| TRIANGLE BENEFITS, INC.3 | 14 BRICKWALK LN FARMINGTON, CT 06032 | AXIS INSURANCE COMPANY | $16K | $0 | $16K | 9.71% |
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 | 1,030 | 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) | 1,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 631 | $4.5M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 1,030 | $945K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 1,030 | $945K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 1,030 | $945K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 1,030 | $781K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 1,030 | $781K |
| Prescription drug | AXIS INSURANCE COMPANY | 58 | $164K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 1,030 | $945K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,030 | — |
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.