| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | HPHC INSURANCE COMPANY | $27K | $0 | $27K | 3.46% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | HARVARD PILGRIM HEALTH CARE | $15K | $0 | $15K | 3.56% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SVCS. AND VARIOUS AGENTS | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $708 | $12 | $720 | 2.67% |
| JEANETTE A. COLE3 | 185 PLAINS ROAD, SUITE 108E MILFORD, CT 06461 | AFLAC | $615 | $49 | $664 | 2.46% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $551 | $0 | $551 | 2.04% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $343 | $0 | $343 | 1.27% |
| CHRISTINE BLYSCHAK3 | 280 TWIN LAKES ROAD NORTH BRANFORD, CT 06471 | AFLAC | $283 | $0 | $283 | 1.05% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $254 | $0 | $254 | 0.94% |
| KENNETH C GRAVELINE3 Filed as: KENNETH C. GRAVELINE | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $223 | $12 | $235 | 0.87% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | ANTHEM HEALTH PLANS, INC. | $954 | $0 | $954 | 9.38% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 93 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $69K |
| Vision | ANTHEM HEALTH PLANS, INC. | 170 | $10K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 136 | $36K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 136 | $36K |
| Prescription drug(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 93 | $1.2M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 136 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.