| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREWS BENEFITS3 Filed as: ANDREWS AGENCY | PO BOX 466 FARMINGTON, CT 06034 | AETNA LIFE INSURANCE COMPANY | $11K | $68K | $80K | 2.74% |
| CHRISTINE ANDREWS3 | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.81% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE MERIDEN, CT 06450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.06% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $449 | $3K | 11.72% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 467 | $2.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 467 | $2.9M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $26K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 467 | $2.9M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 358 | $55K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 358 | $55K |
| Other | AETNA LIFE INSURANCE COMPANY | 467 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.