| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL JOHNSON3 | 8 HILLCREST PARK RD OLD GREENWICH, CT 068701004 | UNITEDHEALTHCARE INSURANCE COMPANY | $616K | — | $616K | 4.13% |
| MICHAEL JOHNSON3 | 8 HILLCREST PARK RD OLD GREENWICH, CT 068701004 | KAISER FOUNDATION HEALTH PLAN, INC. | $35K | — | $35K | 5.22% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $56K | — | $56K | 11.95% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $53K | — | $53K | 12.00% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | — | $36K | 12.09% |
| MICHAEL JOHNSON3 | 8 HILLCREST PARK RD OLD GREENWICH, CT 068701004 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 4.98% |
| MICHAEL JOHNSON3 | 8 HILLCREST PARK RD OLD GREENWICH, CT 068701004 | VISION SERVICE PLAN | $3K | — | $3K | 2.32% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| JOHNSON, MICHAEL3 | 8 HILLCREST PARK ROAD OLD GREENWICH, CT 06870 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
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 | 851 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,047 | $15.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,047 | $14.9M |
| Vision | VISION SERVICE PLAN | 716 | $118K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 190 | $470K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $300K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $443K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 190 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,047 | — |
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.
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.