| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 10.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $18 | $0 | $18 | 3.12% |
| THOMAS MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $15 | $0 | $15 | 2.60% |
| FILIPE COELHO3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, CT 85282 | AFLAC | $12 | $0 | $12 | 2.08% |
| MJ INSURANCE3 Filed as: JEANNETTE COLE AND VARIOUS AGENTS | 185 PLAINS ROAD, SUITE 108E MILFORD, CT 06461 | AFLAC | $9 | $0 | $9 | 1.56% |
| KAREN BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $7 | $0 | $7 | 1.21% |
| KATHRYN BAKER3 | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $6 | $0 | $6 | 1.04% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE, SUITE 8 BRANFORD, CT 06405 | AFLAC | $6 | $0 | $6 | 1.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $64 | $0 | $64 | 17.88% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $56 | $0 | $56 | 15.64% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES, LLC | 555 PLEASANTVILLE ROAD, SUITE 301N BRIARCLIFF MANOR, NY 10510 | AFLAC | $14 | $0 | $14 | 3.91% |
| JUSTIN GRIFFEY3 | 7 MICHELE DRIVE CARLISLE, PA 17013 | AFLAC | $13 | $0 | $13 | 3.63% |
| MJ INSURANCE3 Filed as: LISA HUGHES | 19 HEMLOCK ROAD PROSPECT, CT 06712 | AFLAC | $7 | $0 | $7 | 1.96% |
| FRANK GREGORY PUTNEY3 Filed as: FRANK PUTNEY | 11 BALAUREL DRIVE GUILFORD, CT 06437 | AFLAC | $1 | $0 | $1 | 0.28% |
| THOMAS MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $5 | $0 | $5 | 4.10% |
| FRANCIS X MURPHY3 Filed as: FRANCIS MURPHY | 50 LAFAYETTE PLACE, APARTMENT 2I GREENWICH, CT 06830 | AFLAC | $4 | $0 | $4 | 3.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $3 | $0 | $3 | 2.46% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $2 | $0 | $2 | 1.64% |
| MJ INSURANCE3 Filed as: DENISE POIRIER & VARIOUS AGENTS | 116 WEST WALK WEST HAVEN, CT 06403 | AFLAC | $1 | $0 | $1 | 0.82% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $6 | $0 | $6 | 5.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SVCS, LLC & VARIOUS AGENTS | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $5 | $0 | $5 | 4.35% |
| THOMAS MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $4 | $0 | $4 | 3.48% |
| THOMAS MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $1 | $0 | $1 | 5.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $1 | $0 | $1 | 5.26% |
| JEANNETTE A COLE3 Filed as: JEANNETTE COLE | 185 PLAINS ROAD, SUITE 108E MILFORD, CT 06461 | AFLAC | $1 | $0 | $1 | 5.26% |
| MJ INSURANCE3 Filed as: FILIPE COELHO & VARIOUS AGENTS | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $1 | $0 | $1 | 5.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SVCS, LLC & VARIOUS AGENTS | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $1 | $0 | $1 | 16.67% |
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 | 589 | 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) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 589 | $26K |
| Short-term disability(6 contracts) | AFLAC | 41 | $1K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 589 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.