| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | UNITEDHEALTHCARE INSURANCE COMPANY | $91K | $0 | $91K | 4.31% |
| PROGRESSIVE BENEFIT SOL3 Filed as: PROGRESSIVE BENEFITS SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE, SUITE 8 BRANFORD, CT 06405 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 1.62% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | DETLA DENTAL OF CONNECTICUT, INC. | $8K | $0 | $8K | 6.70% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | DETLA DENTAL OF CONNECTICUT, INC. | $5K | $0 | $5K | 3.85% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 12.29% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | DELTA DENTAL OF NEW JERSEY | $416 | $0 | $416 | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REDI LLC | UNKNOWN HARTFORD, CT 06106 | DELTA DENTAL OF NEW JERSEY | $218 | $0 | $218 | 1.57% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | DELTA DENTAL OF NEW JERSEY | $198 | $0 | $198 | 1.43% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.1M |
| Dental(2 contracts, 2 carriers) | DETLA DENTAL OF CONNECTICUT, INC. | 275 | $139K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.1M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $100K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $100K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $100K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.1M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.