| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | UNITED HEALTHCARE INSURANCE COMPANY | $76K | — | $76K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $2K | — | $2K | 6.01% |
| JEANETTE A. COLE3 | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $2K | $198 | $2K | 5.32% |
| CHRISTINE BLYSCHAK3 | 280 TWIN LAKES ROAD NORTH BRANFORD, CT 06471 | AFLAC | $2K | $198 | $2K | 5.12% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 109 BOSTON POST ROAD SUITE 206 AND 207 ORANGE, CT 06477 | AFLAC | $2K | $79 | $2K | 4.46% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $974 | $79 | $1K | 2.81% |
| MJ INSURANCE3 Filed as: SHELBY L. THRELOFF AND OTHER AGENTS | 145 CHESTNUT HILL ROAD EAST HAMPTON, CT 06424 | AFLAC | $881 | $79 | $960 | 2.56% |
| MELISSA LEE IBBISON3 | PO BOX 8011 STAMFORD, CT 06905 | AFLAC | $211 | — | $211 | 0.56% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 237 | $1.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 237 | $1.5M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 176 | $35K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 176 | $35K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 237 | $1.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 176 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.