| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | HPHC INSURANCE COMPANY | $44K | $0 | $44K | 3.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $5K | $2K | $6K | 17.07% |
| MJ INSURANCE3 Filed as: FILIPE A. COELHO AND VARIOUS AGENTS | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $1K | $87 | $1K | 4.03% |
| CHRISTINE BLYSCHAK3 | 280 TWIN LAKES ROAD NORTH BRANFORD, CT 06471 | AFLAC | $888 | $158 | $1K | 3.11% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $811 | $0 | $811 | 2.41% |
| JEANNETTE A COLE3 Filed as: JEANNETTE A. COLE | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $700 | $98 | $798 | 2.37% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 2155 WEST PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $729 | $51 | $780 | 2.32% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 7025 EAST VIA SOLERI DRIVE SUITE 4039 SCOTTSDALE, AZ 85251 | AFLAC | $308 | $0 | $308 | 0.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $275 | $0 | $275 | 0.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | $973 | $0 | $973 | 9.73% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC INSURANCE COMPANY | 188 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $94K |
| Vision | ANTHEM HEALTH PLANS, INC. | 192 | $10K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 173 | $38K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 173 | $38K |
| Prescription drug | HPHC INSURANCE COMPANY | 188 | $1.4M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 173 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
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.