| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER-DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $170 | $87K | $87K | 5.00% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER-DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $389 | $2K | 6.68% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $929 | $0 | $929 | 10.19% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $675 | $96 | $771 | 17.12% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER-DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $140 | $47 | $187 | 6.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. | Participant communication; Other services; Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $21 |
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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $9K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 47 | $5K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.