| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELLEN PARDEE3 Filed as: ELLEN D. PARDEE | 283 MOUNTAIN ROAD CHESHIRE, CT 06410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 9.43% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $146 | $41 | $187 | 0.72% |
| MJ INSURANCE3 Filed as: ROBERT WHITEHEAD AND VARIOUS AGENTS | 9050 HEARTHSTONE DRIVE ZIONSVILLE, IN 46077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.61% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DRIVE SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $49 | $103 | 0.40% |
| JAMES R SMITH INSURANCE LTD3 Filed as: JAMES R. SMITH INSURANCE LTD | 5835 POST ROAD, SUITE 214 EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.29% |
| ELDER CARE INSURANCE SOLUTIONS3 Filed as: ELDER CARE INSURANCE SOLUTIONS, INC | 44 HESPER DRIVE EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.29% |
| INNOVATIVE PARTNERS LLC3 | UNKNOWN MIDDLETOWN, CT 06457 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $5 | $63 | 0.24% |
| PATRICIA D. LYNES3 Filed as: PATRICIA D LYNES | 158 METACOMET DRIVE MERIDEN, CT 06450 | AFLAC | $2K | $11 | $2K | 15.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $2K | — | $2K | 13.23% |
| FRED A LUCIANO JR3 Filed as: FRED A. LUCIANO JR. | 23 SPRING VALLEY ROAD WOODBRIDGE, CT 06525 | AFLAC | $946 | — | $946 | 7.66% |
| THOMAS P MCKIERNAN3 | 109 BOSTON POST ROAD SUITE 6-7 ORANGE, CT 06477 | AFLAC | $612 | — | $612 | 4.95% |
| THOMAS MCMILLAN3 | 408 HIGHLAND AVENUE CHESIRE, CT 06410 | AFLAC | $288 | — | $288 | 2.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE AND VARIOUS AGENTS | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $180 | — | $180 | 1.46% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $81 | — | $81 | 0.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | PO BOX 62937 VIRGINIA BEACH, VA 23466 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $567 | — | $567 | 10.00% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 269 | $1.4M |
| Dental | ANTHEM HEALTH PLANS, INC. | 269 | $1.4M |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 176 | $44K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 27 | $38K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 269 | $1.4M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 176 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.