| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | $4K | $52K | 4.38% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.79% |
| ASA P HAZEN3 Filed as: ASA P. HAZEN | 104 DANN DRIVE STAMFORD, CT 06905 | AFLAC | $1K | $0 | $1K | 7.41% |
| MJ INSURANCE3 Filed as: KEVIN MCINERNEY AND VARIOUS AGENTS | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $495 | $0 | $495 | 3.55% |
| RAND INSURANCE, INC.3 | PO BOX 900 RIVERSIDE, CT 06878 | AFLAC | $455 | $0 | $455 | 3.26% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS ROAD, SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $193 | $0 | $193 | 1.38% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $189 | $0 | $189 | 1.36% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $169 | $0 | $169 | 1.21% |
| MICHAEL REYES3 Filed as: MICHAEL R. ROBERTS | 535 CONNECTICUT AVENUE, SUITE 103 NORWALK, CT 06854 | AFLAC | $129 | $0 | $129 | 0.93% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 167 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 167 | $1.2M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 111 | $28K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 111 | $28K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 167 | $1.2M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 111 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.