| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND BENEFIT SOLUTIONS LLC | 55 MARION DR NORTH HAVEN, CT 06473 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 3.31% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.01% |
| DOMINIC B SCHIOPPO JR3 | 55 MARION DR NORTH HAVEN, CT 06473 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.68% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND BENEFIT SOLUTIONS LLC | 55 MARION DR NORTH HAVEN, CT 06473 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 12.76% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N. MAIN ST STE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N. MAIN ST STE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.98% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND BENEFIT SOLUTIONS LLC | 55 MARION DR NORTH HAVEN, CT 06473 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.09% |
| DOMINIC B SCHIOPPO JR3 | 55 MARION DR NORTH HAVEN, CT 06473 | UNITEDHEALTHCARE INSURANCE COMPANY | $413 | — | $413 | 0.89% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND BENEFIT SOLUTIONS LLC | 55 MARION DR NORTH HAVEN, CT 06473 | UNITEDHEALTHCARE INSURANCE COMPANY | $704 | — | $704 | 8.26% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N. MAIN ST STE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $425 | — | $425 | 4.99% |
| DOMINIC B SCHIOPPO JR3 | 55 MARION DR NORTH HAVEN, CT 06473 | UNITEDHEALTHCARE INSURANCE COMPANY | $146 | — | $146 | 1.71% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 70 | $46K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 43 | $9K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $70K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $70K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.