| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAND INSURANCE, INC.3 | 1100 EAST PUTNAM AVENUE RIVERSIDE, CT 068781306 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 3.67% |
| RAND INSURANCE, INC.3 | P.O. BOX 900 RIVERSIDE, CT 06878 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.35% |
| RAND INSURANCE, INC.3 | P.O. BOX 900 RIVERSIDE, CT 06878 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.39% |
| RAND INSURANCE, INC.3 | P.O. BOX 900 RIVERSIDE, CT 06878 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.12% |
| ASA P HAZEN3 Filed as: ASA P. HAZEN | 104 DANN DRIVE STAMFORD, CT 06905 | AFLAC | $809 | $24 | $833 | 7.28% |
| RAND INSURANCE, INC.3 | P.O. BOX 900 RIVERSIDE, CT 06878 | AFLAC | $521 | — | $521 | 4.55% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $223 | — | $223 | 1.95% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 100 MILL PLAIN ROAD, SUITE 322 DANBURY, CT 06810 | AFLAC | $163 | $8 | $171 | 1.49% |
| MICHAEL REYES3 Filed as: MICHAEL R. ROBERTS | 535 CONNECTICUT AVENUE, SUITE 103 NORWALK, CT 06854 | AFLAC | $170 | — | $170 | 1.49% |
| JUSTIN GRIFFEY3 | 535 CONNECTICUT AVENUE, SUITE 103 NORWALK, CT 06854 | AFLAC | $112 | $8 | $120 | 1.05% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $111 | $8 | $119 | 1.04% |
| JOHN K SCHULE3 Filed as: JOHN K. SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $95 | — | $95 | 0.83% |
| JAMES S BURNS3 Filed as: JAMES S. BURNS | P.O. BOX 1079 SOUTHPORT, CT 06890 | AFLAC | $60 | — | $60 | 0.52% |
| RAND INSURANCE, INC.3 | 1100 EAST PUTNAM AVENUE RIVERSIDE, CT 068781306 | UNITEDHEALTHCARE INSURANCE COMPANY | $733 | — | $733 | 9.18% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 85 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 92 | $105K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 107 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 107 | $22K |
| Other | AFLAC | 17 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.