| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN THOMASTON, CT 06787 | HEALTH NEW ENGLAND, INC. | $41K | $0 | $41K | 2.09% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | DELTA DENTAL OF CONNECTICUT, INC. | $25K | $0 | $25K | 8.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 4.65% |
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE, SUITE 200 NEWTON SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $8K | $8K | 3.83% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | $0 | $42K | 23.95% |
| TMBG INC3 Filed as: TMBG, INC. AND OTHER AGENTS | 38 MYRTLE STREET BELMONT, MA 02478 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | $0 | $26K | 14.96% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 14.35% |
| MICHAEL BAECKER3 | 71 GEER STREET CROMWELL, CT 06416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.12% |
| JOEL B KARAS3 Filed as: JOEL B. KARAS | 8 SHANLEY STREET BRIGHTON, MA 02135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.47% |
| MARA L. CANAVAN3 | 200 COMMONWEALTH AVENUE SUITE 110 NEWTON, MA 02466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.45% |
| EVAN D CROSS3 Filed as: EVAN CROSS | 100 ALLERTON ROAD MILTON, MA 02186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.91% |
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 | 2,623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 187 | $2.0M |
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 713 | $296K |
| Vision | VISION SERVICE PLAN | 379 | $62K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,623 | $221K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,623 | $396K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,623 | $221K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 187 | $2.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,623 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,623 | — |
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."
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.