| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 | 29 SOUTH MAIN STREET, SUITE 300 WEST HARTFORD, CT 06107 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 3.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 23.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SVCS. AND VARIOUS AGENTS | 555 PLEASANTVILLE ROAD, SUITE 310N BRIARCLIFF MANOR, NY 10510 | AFLAC | $250 | $0 | $250 | 2.76% |
| FILIPE COELHO3 | 4515 SOUTH MCLINTACK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $209 | $0 | $209 | 2.31% |
| JEANNETTE A COLE3 Filed as: JEANNETTE COLE | 185 PLAINS RD, SUITE 108E MILFORD, CT 06461 | AFLAC | $136 | $0 | $136 | 1.50% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $112 | $0 | $112 | 1.24% |
| THOMAS MCKIERNAN3 | 687 EAST BRODWAY MILFORD, CT 06460 | AFLAC | $95 | $0 | $95 | 1.05% |
| CHRISTINE BLYSCHAK3 | 280 TWIN LAKES RD NORTH BRANFORD, CT 06471 | AFLAC | $82 | $0 | $82 | 0.91% |
| KENNETH GRAVELINE3 | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $64 | $0 | $64 | 0.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | ANTHEM HEALTH PLANS, INC. | $744 | $157 | $901 | 11.27% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.1M |
| Vision | ANTHEM HEALTH PLANS, INC. | 138 | $8K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $37K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $37K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
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.