| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN THOMASTON, CT 06787 | HEALTH NEW ENGLAND, INC. | $42K | $0 | $42K | 2.21% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | DELTA DENTAL OF CONNECTICUT, INC. | $8K | $0 | $8K | 2.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $8K | $17K | 10.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 15.21% |
| MICHAEL BAECKER3 Filed as: MICHAEL BAECKER AND OTHER AGENTS | 71 GEER STREET CROMWELL, CT 06416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 8.16% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 687 EAST BROADWAY MILTON, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.15% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 222 WARD STREET NEWTON CTR, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $917 | $0 | $917 | 2.28% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $636 | $0 | $636 | 1.58% |
| STEVEN MUNICHIELLO3 Filed as: STEVEN N. MUNICHIELLO | 72 PLEASANT STREET FRANKLIN, MA 02038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $438 | $0 | $438 | 1.09% |
| JOEL B KARAS3 Filed as: JOEL B. KARAS | 8 SHANLEY STREET BRIGHTON, MA 02135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $433 | $0 | $433 | 1.08% |
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 | 2,616 | 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) | 2,616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 160 | $1.9M |
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 970 | $365K |
| Vision | VISION SERVICE PLAN | 498 | $81K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,616 | $158K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,616 | $198K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,616 | $158K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 160 | $1.9M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,616 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,616 | — |
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."
No prospect flags tripped on this filing.