| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 29 SOUTH MAIN STREET, SUITE 300 WEST HARTFORD, CT 06107 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $0 | $36K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FIOOR NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | P O BOX 9101 PLAINVIEW, NY 11803 | ANTHEM HEALTH PLANS, INC. | $673 | $68 | $741 | 12.26% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $109 | $0 | $109 | 3.12% |
| JEANNETTE A COLE3 Filed as: JEANNETTE A. COLE & OTHER AGENTS | 185 PLAINS ROAD, SUITE 108E MILFORD, CT 06461 | AFLAC | $56 | $0 | $56 | 1.60% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $50 | $0 | $50 | 1.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 600 3RD AVENUE, 3RD FLOOR NEW YORK, NY 10016 | AFLAC | $50 | $0 | $50 | 1.43% |
| CHRISTINE BLYSCHAK3 | 280 TWIN LAKES ROAD NORTH BRANFORD, CT 06471 | AFLAC | $46 | $0 | $46 | 1.32% |
| JEANNETTE A COLE3 Filed as: JEANNETTE A. COLE | 109 BOSTON POST ROAD, SUITE 202 ORANGE, CT 06477 | AFLAC | $43 | $0 | $43 | 1.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $20 | — | $20 | 0.57% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $1.2M |
| Vision | ANTHEM HEALTH PLANS, INC. | 132 | $6K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $1.2M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $1.2M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.