| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: JEANNETTE COLE AND VARIOUS AGENTS | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $31K | $4K | $35K | 7.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $35K | — | $35K | 6.85% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $22K | $2K | $24K | 4.75% |
| KAREN BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $8K | $896 | $9K | 1.79% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 109 BOSTON POST ROAD SUITE 206 AND 207 ORANGE, CT 06477 | AFLAC | $8K | $485 | $8K | 1.61% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $6K | $1K | $7K | 1.40% |
| STEVEN E. WEST3 Filed as: STEVEN WEST | 6 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $4K | $404 | $4K | 0.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $505 | $3K | 9.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVENUE MERIDEN, CT 06450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $258 | — | $258 | 1.53% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.69% |
| MJ INSURANCE3 Filed as: KAREN E. BUCK AND VARIOUS AGENTS | 71 DEEPWOOD DRIVE MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.61% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.28% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.23% |
| CHRISTOPHER M. MCKIERNAN3 | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.18% |
| MICHAEL REYES3 Filed as: MICHAEL ROBERTS | 110 LIMERICK ROAD FAIRFIELD, CT 06824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.15% |
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 | 643 | 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) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 643 | $33K |
| Short-term disability | AFLAC | 743 | $506K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 643 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.