| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7 GREAT BALLEY PARKWAY STE 100 MALVERN, PA 19335 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $123K | $131K | 5.09% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $55K | $55K | 2.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | N/A BOSTON, MA 02110 | EQUITABLE | $5K | $0 | $5K | 11.78% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 25.97% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 310 OLD COUNTRY ROAD STE 205 GARDEN CITY, NY 11530 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.94% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | GUARDIAN LIFE INSURANCE COMPANY | $868 | $0 | $868 | 5.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $440 | $2K | 23.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.01% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $164 | $0 | $164 | 4.07% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LN GARDEN CITY, NY 11530 | AFLAC | $43 | $0 | $43 | 1.07% |
| KATHRYN P BAKER3 | 15 MEADOWBROOK RD MADISON, CT 06443 | AFLAC | $39 | $0 | $39 | 0.97% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J TARI | 1179 WEBBER AVE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $36 | $0 | $36 | 0.89% |
| THOMAS P MCKIERNAN3 | 687 E BROADWAY MILFORD, CT 06460 | AFLAC | $32 | $0 | $32 | 0.79% |
| ORIANA L RENDE3 Filed as: ORIANA LIBBY RENDE | 226 GOOD HILL RD WESTON, CT 06883 | AFLAC | $32 | $0 | $32 | 0.79% |
| ENROLL CONFIDENTLY INC3 | 13924 E DYER LN SCOTTSDALE, AZ 85262 | AFLAC | $31 | $0 | $31 | 0.77% |
| EPSIX, INC.3 Filed as: EPSIX INC | 687 E BROADWAY MILFORD, CT 06460 | AFLAC | $19 | $0 | $19 | 0.47% |
| JUSTIN GRIFFEY3 | 7 MICHELE DR CARLISLE, PA 17013 | AFLAC | $17 | $0 | $17 | 0.42% |
| COLIN MCVETTY3 | 449 MARCELLUS RD MINEOLA, NY 11501 | AFLAC | $17 | $0 | $17 | 0.42% |
| ELLEN TURTON3 | 73 OLD DAM RD FAIRFIELD, CT 06824 | AFLAC | $12 | $0 | $12 | 0.30% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $10 | $0 | $10 | 0.25% |
| MICHAEL P ROLDAN3 | 6895 E CAMELBACK RD UNIT 6028 SCOTTSDALE, AZ 85251 | AFLAC | $9 | $0 | $9 | 0.22% |
| FAIRFIELD COUNTY BANK INS SVCS LLC3 | 401 MAIN ST RIDGEFIELD, CT 06877 | AFLAC | $8 | $0 | $8 | 0.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCES SERVICES LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $8 | $0 | $8 | 0.20% |
| CHRISTOPHER S AUSTERMANN3 | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $8 | $0 | $8 | 0.20% |
| SAMUEL TATUM3 | 152 HURLBUTT ST WILTON, CT 06897 | AFLAC | $8 | $0 | $8 | 0.20% |
| KAREN BUCK3 Filed as: KAREN E BUCK | 71 DEEPWOOD DR MADISON, CT 06443 | AFLAC | $7 | $0 | $7 | 0.17% |
| HILARY A BURNS3 | 3 MARSH CT WESTPORT, CT 06880 | AFLAC | $7 | $0 | $7 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LINDA B SCHUMACHER-BROWN | 8 ICHABOD LN BETHEL, CT 06801 | AFLAC | $6 | $0 | $6 | 0.15% |
| MICHAEL P ZILINSKI3 | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $6 | $0 | $6 | 0.15% |
| ANTHONY M. LAKE3 Filed as: ANTHONY M LAKE | 16 OVERTON AVE MILFORD, CT 06460 | AFLAC | $5 | $0 | $5 | 0.12% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 110 LIMERICK RD FAIRFIELD, CT 06824 | AFLAC | $4 | $0 | $4 | 0.10% |
| MICHAEL T REYES3 | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | $4 | $0 | $4 | 0.10% |
| JOANN AMEDOLA3 Filed as: JOANN AMENDOLA | 32 E PEMBROKE RD DANBURY, CT 06811 | AFLAC | $4 | $0 | $4 | 0.10% |
| WILLIAM WHICHER3 | 11 KEENAN PL GARDEN CITY, NY 11530 | AFLAC | $3 | $0 | $3 | 0.07% |
| MICHELLE A MRAZIK3 | 21 JUNE RD NEW MILFORD, CT 06776 | AFLAC | $3 | $0 | $3 | 0.07% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $2 | $0 | $2 | 0.05% |
| JOSEPH W CALABRO SR3 | 36 ROBINHOOD DR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | $0 | $2 | 0.05% |
| KENNETH PARSON3 Filed as: KENNETH A PARSON | 43 NEW RHODODENDRON CHAPEL HILL, NC 27517 | AFLAC | $2 | $0 | $2 | 0.05% |
| BARBARA WEISSMAN3 | 1495 E 24TH ST BROOKLYN, NY 11210 | AFLAC | $2 | $0 | $2 | 0.05% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | $0 | $1 | 0.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $1 | $0 | $1 | 0.02% |
| BRIAN FAIN3 | 54 THIMBLE FARMS RD BRANFORD, CT 06405 | AFLAC | $1 | $0 | $1 | 0.02% |
| JOHN K SCHULE3 | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $1 | $0 | $1 | 0.02% |
| CYNTHIA KAY PATTEN3 | 121 BUCKTHORN RD BADEN, PA 15005 | AFLAC | $1 | $0 | $1 | 0.02% |
| HEATHER BARTLEY3 | 120 MARGUERITE DR STE 101 CRANBERRY TWP, PA 16066 | AFLAC | $1 | $0 | $1 | 0.02% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $671 | $186 | $857 | 23.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $559 | $0 | $559 | 15.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153 | $51 | $204 | 20.06% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153 | $0 | $153 | 15.04% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $2.6M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 129 | $17K |
| Life insurance | EQUITABLE | 209 | $44K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $21K |
| Long-term disability | EQUITABLE | 209 | $44K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $2.6M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.