| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE MERIDEN, CT 06450 | CONNECTICARE, INC. | $0 | $46K | $46K | 4.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $8K | 15.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | $2K | $353 | $3K | 5.82% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23466 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $27 | $1K | 4.78% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 500 EAST MAIN STREET, SUITE 316 BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $941 | $40 | $981 | 3.26% |
| ANTHONY J. BARBER3 | 36 HOPMEADOW CIRCLE GUILFORD, CT 06437 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $519 | $0 | $519 | 1.73% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET, UNIT 2 B BRANDFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $404 | $0 | $404 | 1.34% |
| MICHAEL C WALKER3 Filed as: MICHAEL MASSARELLI | 536A BERLIN STREET SOUTHINGTON, CT 06489 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $193 | $3 | $196 | 0.65% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E. BERG | 319 THOMASTON ROAD, UNIT 12 WATERTOWN, CT 06795 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $158 | $0 | $158 | 0.53% |
| MADELYN RENE PELCHAT3 Filed as: MADELYN WILLHITE | 2 CARROLL PLACE CROMWELL, CT 06416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $544 | $227 | $771 | 17.02% |
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 | 82 | 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) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 89 | $993K |
| Dental | ANTHEM HEALTH PLANS, INC. | 96 | $45K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 46 | $5K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $54K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $54K |
| Prescription drug | CONNECTICARE, INC. | 89 | $993K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.