| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAND INSURANCE, INC.3 | 1100 EAST PUTNAM AVENUE RIVERSIDE, CT 06878 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | $0 | $61K | 4.35% |
| RAND INSURANCE, INC.3 | PO BOX 900 RIVERSIDE, CT 06878 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 12.11% |
| ASA P HAZEN3 Filed as: ASA P. HAZEN | 104 DANN DRIVE STAMFORD, CT 06905 | AFLAC | $1K | $20 | $1K | 8.34% |
| RAND INSURANCE, INC.3 | PO BOX 900 RIVERSIDE, CT 06878 | AFLAC | $506 | $0 | $506 | 4.11% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 100 MILL PLAIN ROAD, SUITE 322 DANBURY, CT 06811 | AFLAC | $271 | $7 | $278 | 2.26% |
| MJ INSURANCE3 Filed as: JOHN K. SCHULE AND VARIOUS AGENTS | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $198 | $0 | $198 | 1.61% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $195 | $0 | $195 | 1.58% |
| JUSTIN GRIFFEY3 | 535 CONNECTICUT AVENUE, SUITE 103 NORWALK, CT 06854 | AFLAC | $165 | $7 | $172 | 1.40% |
| MICHAEL REYES3 Filed as: MICHAEL R. ROBERTS | 535 CONNECTICUT AVENUE, SUITE 103 NORWALK, CT 06854 | AFLAC | $150 | $0 | $150 | 1.22% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $1.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 110 | $35K |
| Long-term disability | STANDARD INSURANCE COMPANY | 110 | $35K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $1.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 110 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.