| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVENUE MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $156K | $0 | $156K | 4.47% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE SUITE 8 BRANFORD, CT 06405 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 1.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 601 UNION STREET SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 7.56% |
| EPSIX, INC.3 | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 3.67% |
| KAREN ELAINE BUCK AND OTHER AGENTS3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 3.30% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.71% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.11% |
| DENISE POIRIER3 Filed as: DENISE COTE POIRIER | 41 BENZ STREET ANSONIA, CT 06401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.05% |
| JEANNETTE A COLE3 Filed as: JEANNETTE ANN COLE | 23 CLIFF STREET EAST HAVEN, CT 06512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.63% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS, LLC | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.52% |
| EPSIX, INC.3 | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.51% |
| DENISE COTE POIRIER AND OTHER AGENT3 | 41 BENZ STREET ANSONIA, CT 06401 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $66 | $3K | 2.91% |
| JEANNETTE A COLE3 Filed as: JEANNETTE ANN COLE | 185 PLAINS ROAD SUITE 108E MILFORD, CT 06461 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.39% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 687 EAST BROADWAY MILFORD, CT 06460 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.31% |
| ENROLL CONFIDENTLY INC3 Filed as: ENROLL CONFIDENTLY, INC. | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.15% |
| LORI A. VEILLETTE3 | 48 ACADEMY HILL ROAD EXTENSION DERBY, CT 06418 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $889 | $0 | $889 | 0.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $501 | $167 | $668 | 14.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PARK 80 WEST PLAZA 2 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | $1 | $8 | 0.17% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $3.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $3.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $3.5M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $208K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 406 | $404K |
| Long-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $115K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $3.5M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 406 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.