| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | HPHC INSURANCE COMPANY | $8K | $0 | $8K | 1.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | HPHC INSURANCE COMPANY | $6K | $0 | $6K | 0.81% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 3.58% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $0 | $180 | $180 | 0.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS AND OTHER AGENTS | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $957 | $38 | $995 | 3.03% |
| JEANNETTE A COLE3 Filed as: JEANNETTE A. COLE | 185 PLAINS ROAD, SUITE 108E MILFORD, CT 06461 | AFLAC | $727 | $145 | $872 | 2.66% |
| FILIPE COELHO3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $689 | $0 | $689 | 2.10% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $414 | $0 | $414 | 1.26% |
| CHRISTINE BLYSCHAK3 | 280 TWIN LAKES ROAD NORTH BRANFORD, CT 06471 | AFLAC | $369 | $0 | $369 | 1.12% |
| KENNETH C GRAVELINE3 Filed as: KENNETH C. GRAVELINE | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $261 | $80 | $341 | 1.04% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 6895 EAST CAMELBACK ROAD, SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $318 | $0 | $318 | 0.97% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | ANTHEM HEALTH PLANS, INC. | $1K | $0 | $1K | 9.94% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | $0 | $155 | $155 | 1.48% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC INSURANCE COMPANY | 95 | $750K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $85K |
| Vision | ANTHEM HEALTH PLANS, INC. | 209 | $11K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 165 | $36K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 165 | $36K |
| Prescription drug | HPHC INSURANCE COMPANY | 95 | $750K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 165 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.