| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | $2K | $50K | 8.10% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.21% |
| ASA P HAZEN3 Filed as: ASA P. HASAN | 104 DANN DRIVE STAMFORD, CT 06905 | AFLAC | $965 | $69 | $1K | 7.27% |
| MJ INSURANCE3 Filed as: JOHN K. SCHULE AND VARIOUS AGENTS | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $431 | $17 | $448 | 3.15% |
| RAND INSURANCE, INC.3 Filed as: RAND INSURANCE INC | PO BOX 900 RIVERSIDE, CT 06878 | AFLAC | $358 | $0 | $358 | 2.52% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $201 | $0 | $201 | 1.41% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $139 | $0 | $139 | 0.98% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS ROAD, SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $114 | $17 | $131 | 0.92% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $100 | $0 | $100 | 0.70% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | EYEMED | $889 | $0 | $889 | 9.26% |
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) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $611K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $621K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $22K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $611K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.