| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | AETNA LIFE INSURANCE COMPANY | $8K | $44K | $52K | 3.97% |
| ASA P HAZEN3 Filed as: ASA P. HAZEN | 104 DANN DRIVE STAMFORD, CT 06905 | AFLAC | $1K | $24 | $1K | 9.54% |
| RAND INSURANCE, INC.3 | PO BOX 900 RIVERSIDE, CT 06878 | AFLAC | $383 | $0 | $383 | 2.87% |
| MJ INSURANCE3 Filed as: MICHAEL ROBERTS AND VARIOUS AGENTS | 535 CONNECTICUT AVENUE, SUITE 103 NORWALK, CT 06854 | AFLAC | $353 | $0 | $353 | 2.64% |
| JUSTIN GRIFFEY3 | 535 CONNECTICUT AVENUE, SUITE 103 NORWALK, CT 06854 | AFLAC | $209 | $5 | $214 | 1.60% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 100 MILL PLAIN ROAD, SUITE 322 DANBURY, CT 06811 | AFLAC | $210 | $0 | $210 | 1.57% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $156 | $5 | $161 | 1.21% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $159 | $0 | $159 | 1.19% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 175 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 175 | $1.3M |
| Vision | AETNA LIFE INSURANCE COMPANY | 175 | $1.3M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 175 | $1.3M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 175 | $1.3M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 175 | $1.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 175 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.