| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 4.35% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNACE SERVICES LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | DELTA DENTAL OF CONNECTICUT, INC. | $55K | $0 | $55K | 14.04% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON STREET MERIDEN, CT 06450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39K | $0 | $39K | 22.04% |
| MJ INSURANCE3 Filed as: THOMAS MCKIERNAN & VARIOUS AGENTS | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | $0 | $26K | 14.48% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 13.26% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.03% |
| LORI A. VEILLETTE3 | 48 ACADEMY HILL ROAD EXT DERBY, CT 06418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.08% |
| KATHRYN P BAKER3 Filed as: KATHRYN P. BAKER | 15 MEADOWBROOK ROAD MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.93% |
| HEIDI A HERDMAN3 Filed as: HEIDI A. HERDMAN | 150A ANDOVER STREET DANERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNACE SERVICES LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $1K | $96 | $1K | 17.25% |
| BENEFITSTORE INC3 | PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | $0 | $140 | $140 | 2.16% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 24.68% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $678 | $0 | $678 | 14.88% |
| KATHRYN P BAKER3 Filed as: KATHRYN P. BAKER | 15 MEADOWBROOK ROAD MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $450 | $0 | $450 | 9.88% |
| MJ INSURANCE3 Filed as: JUSTIN GRIFFEY & VARIOUS AGENTS | UNKNOWN CLIFFSIDE PARK, NJ 07010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $300 | $0 | $300 | 6.59% |
| COLLEEN A VOGAN3 Filed as: COLLEEN S. LIND | 6652 QUERCUS DRIVE HEBRON, MD 21830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | $0 | $86 | 1.89% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 1.30% |
| LORI A. VEILLETTE3 | 48 ACADEMY HILL ROAD EXT DERBY, CT 06418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 1.08% |
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 | 1,385 | 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) | 1,385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 1,061 | $390K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,385 | $420K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,385 | $598K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,385 | $598K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,385 | $608K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,385 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.