| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | $3K | — | $3K | 0.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVENUE PO BOX 1040 MERIDEN, CT 06450 | ANTHEM HEALTH PLANS, INC. | -$9 | — | -$9 | -0.00% |
| ELLEN PARDEE3 Filed as: ELLEN D. PARDEE | 283 MOUNTAIN ROAD CHESHIRE, CT 06410 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.76% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $120 | $33 | $153 | 0.66% |
| MJ INSURANCE3 Filed as: ROBERT WHITEHEAD AND VARIOUS AGENTS | 9050 HEARTHSTONE DRIVE ZIONSVILLE, IN 46077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 0.62% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DRIVE SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $34 | $85 | 0.37% |
| INNOVATIVE PARTNERS LLC3 Filed as: INNOVATIVE PARTNERS, LLC | UNKNOWN MIDDLETOWN, CT 06457 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.24% |
| 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 | $53 | — | $53 | 0.23% |
| ELDER CARE INSURANCE SOLUTIONS3 Filed as: ELDER CARE INSURANCE SOLUTIONS, INC | 44 HESPER DRIVE EAST GREENWICH, CT 06457 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.23% |
| PATRICIA D. LYNES3 | 158 METACOMET DRIVE MERIDEN, CT 06450 | AFLAC | $410 | $336 | $746 | 5.89% |
| FRED A LUCIANO JR3 Filed as: FRED A. LUCIANO, JR. | 23 SPRING VALLEY DRIVE WOODBRIDGE, CT 06525 | AFLAC | $398 | $107 | $505 | 3.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $451 | — | $451 | 3.56% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 109 BOSTON POST ROAD SUITE 6-7 ORANGE, CT 06477 | AFLAC | $292 | $78 | $370 | 2.92% |
| JEANETTE A. COLE3 | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $287 | — | $287 | 2.27% |
| MJ INSURANCE3 Filed as: FILIPE A. COELHO AND VARIOUS AGENTS | 109 BOSTON POST ROAD SUITE 206 AND 207 ORANGE, CT 06477 | AFLAC | $227 | $26 | $253 | 2.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $239 | — | $239 | 1.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | PO BOX 62937 VIRGINIA BEACH, VA 23466 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $585 | — | $585 | 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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 496 | $1.7M |
| Dental | ANTHEM HEALTH PLANS, INC. | 496 | $1.7M |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 187 | $42K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 28 | $36K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 496 | $1.7M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 187 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.
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.