| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE MERIDEN, CT 06450 | CONNECTICARE, INC. | $0 | $38K | $38K | 4.71% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE, 3RD FLOOR MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 8.94% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | $3K | $696 | $3K | 6.42% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRINGIA BEACH, VA 23462 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $14 | $3K | 8.83% |
| ANTHONY J. BARBER3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $182 | $2K | 5.39% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $739 | $729 | $1K | 3.81% |
| MICHAEL C WALKER3 Filed as: MICHAEL MASSARELLI | 536 A BERLIN STREET SOUTHINGTON, CT 06489 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $913 | $190 | $1K | 2.86% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $804 | $164 | $968 | 2.51% |
| TINA VANACORE3 | 14 WOODLAND DRIVE NORTHFORD, CT 06472 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $670 | $0 | $670 | 1.74% |
| MJ INSURANCE3 Filed as: MADELYN WILLHITE AND VARIOUS AGENTS | 2 CARROL PLACE CROMWELL, CT 06416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $310 | $63 | $373 | 0.97% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE, 3RD FLOOR MERIDEN, CT 06450 | STARMOUNT LIFE INSURANCE COMPANY | $404 | $59 | $463 | 13.75% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 98 | $812K |
| Dental | ANTHEM HEALTH PLANS, INC. | 101 | $50K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 31 | $3K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $118K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $118K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $118K |
| Prescription drug | CONNECTICARE, INC. | 98 | $812K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.