| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $0 | $36K | 3.10% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | ANTHEM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPRORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | ANTHEM LIFE INSURANCE COMPANY | $790 | $0 | $790 | 2.24% |
| FILIPE COELHO3 | 4515 MCCLINTOCK DRIVE, SUITE 212 TEMPE, AZ 85282 | AFLAC | $468 | $0 | $468 | 2.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SVCS. AND VARIOUS AGENTS | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $454 | $0 | $454 | 2.22% |
| JEANNETTE A COLE3 Filed as: JEANNETTE COLE | 185 PLAINS ROAD, SUITE 108E MILFORD, CT 06461 | AFLAC | $355 | $0 | $355 | 1.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INCURANCE SERVICES INC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $282 | $0 | $282 | 1.38% |
| CHRISTINE BLYSCHAK3 | 280 TWIN LAKES ROAD NORTH BRANFORD, CT 06741 | AFLAC | $239 | $0 | $239 | 1.17% |
| THOMAS MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $216 | $0 | $216 | 1.05% |
| KENNETH GRAVELINE3 | 20 CORRINE DRIVE PROPECT, CT 06712 | AFLAC | $121 | $0 | $121 | 0.59% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | ANTHEM HEALTH PLANS, INC. | $674 | $0 | $674 | 9.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPRORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | ANTHEM HEALTH PLANS, INC. | $135 | $0 | $135 | 1.85% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $1.2M |
| Vision | ANTHEM HEALTH PLANS, INC. | 166 | $7K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 123 | $35K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 123 | $35K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $1.2M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 123 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.