| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVENUE, 3RD FLOOR MERIDEN, CT 06450 | HEALTHYCT | $24K | — | $24K | 3.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | $14K | — | $14K | 2.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 11.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVENUE MERIDEN, CT 06450 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 3.20% |
| CHRISTINE BLYSCHAK3 | 280 TWIN LAKES ROAD NORTH BRANFORD, CT 06471 | AFLAC | $1K | $176 | $2K | 4.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $2K | — | $2K | 4.73% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 109 BOSTON POST ROAD SUITE 206 AND 207 ORANGE, CT 06477 | AFLAC | $1K | $65 | $1K | 3.93% |
| JEANNETTE A COLE3 Filed as: JEANNETTE A. COLE | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $1K | $151 | $1K | 3.57% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $720 | $65 | $785 | 2.38% |
| MELISSA LEE IBBISON3 Filed as: MELISSA L. IBBISON AND OTHER AGENTS | PO BOX 8011 STAMFORD, CT 06905 | AFLAC | $645 | — | $645 | 1.95% |
| BARBARA SAXTON3 | 19634 TESORO WAY ESTERO, FL 33967 | AFLAC | $135 | — | $135 | 0.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | $750 | — | $750 | 10.06% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHYCT | 184 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $93K |
| Vision | ANTHEM HEALTH PLANS, INC. | 163 | $7K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 163 | $36K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 163 | $36K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHYCT | 184 | $1.3M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 163 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.