| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $0 | $48K | 6.64% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.04% |
| ASA P HAZEN3 Filed as: ASA P. HAZEN | 104 DANN DRIVE STAMFORD, CT 06905 | AFLAC | $603 | $13 | $616 | 4.91% |
| MJ INSURANCE3 Filed as: JUSTIN GRIFFEY AND VARIOUS AGENTS | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $365 | $3 | $368 | 2.93% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $179 | $0 | $179 | 1.43% |
| RAND INSURANCE, INC.3 Filed as: RAND INSURANCE INC | PO BOX 900 RIVERSIDE, CT 06878 | AFLAC | $164 | $0 | $164 | 1.31% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $118 | $0 | $118 | 0.94% |
| RAND INSURANCE, INC.3 Filed as: RAND INSURANCE INC | 1100 EAST PUTNAM AVENUE RIVERSIDE, CT 06878 | AFLAC | $112 | $0 | $112 | 0.89% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS ROAD, SUITE 320 LAKE OSWEGO, OR 97035 | AFLAC | $105 | $3 | $108 | 0.86% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $811 | $0 | $811 | 10.03% |
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. |
| 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $723K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $731K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $23K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $723K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
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.