| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $65K | $65K | 3.35% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HLB GROUP OF NE, DBA 360 BEN ADVSRS | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $32K | $32K | 1.65% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 9.24% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 6.66% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD-SUITE 3001 WARWICK, RI 02886 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.33% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BEN-DBA 360 CBA | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | VISION SERVICE PLAN | $1K | — | $1K | 4.63% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | VISION SERVICE PLAN | $299 | — | $299 | 1.11% |
| 360 CORPORATE BENEFIT ADVISORS3 Filed as: 3650 CORPORATE BENEFIT ADVISORS | 1375 KINGS HIGHWAY EAST-STE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $156K |
| Vision | VISION SERVICE PLAN | 112 | $27K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 137 | $285K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 137 | $285K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 137 | $285K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 251 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.