| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN THOMASTON, CT 06787 | HEALTH NEW ENGLAND, INC. | $36K | — | $36K | 2.09% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON STREET, 3RD FLOOR MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $6K | $20K | 4.53% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN THOMASTON, CT 06787 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 2.03% |
| HP PLANNING LLC3 | 4 CENTURY DRIVE, SUITE 360 PARSIPPANY, NJ 07054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $285 | $0 | $285 | 0.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.77% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE, SUITE 502 NORWALK, CT 06854 | VISION SERVICE PLAN | $2 | $0 | $2 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 28.58% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 222 WARD STREET NEWTON CTR, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 9.62% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.70% |
| STEVEN MUNICHIELLO3 Filed as: STEVEN N. MUNICHIELLO | 72 PLEASANT STREET FRANKLIN, MA 02038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.59% |
| ELIZABETH A WEINER3 Filed as: ELIZABETH WEINER AND OTHER AGENTS | 19 THORNY LEA ROAD SHARON, MA 02067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.78% |
| JOEL B KARAS3 Filed as: JOEL B. KARAS | 8 SHANLEY STREET BRIGHTON, MA 02135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.61% |
| MICHAEL P SPEISMAN3 Filed as: MICHAEL LUBARSKY | 19 TERRANE AVENUE NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $942 | $0 | $942 | 2.28% |
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 | 1,078 | 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) | 1,078 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 171 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 531 | $431K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 531 | $510K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,078 | $578K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,078 | $188K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,078 | $147K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 171 | $1.7M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,078 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,078 | — |
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."
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.