| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 7.44% |
| JUSTIN M BUCK3 Filed as: JUSTIN BUCK AND OTHER AGENTS | 71 DEEPWOOD DRIVE MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 5.32% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 2.09% |
| EPSIX, INC.3 | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.66% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.96% |
| CHRISTOPHER M. MCKIERNAN3 | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.65% |
| KENNETH C GRAVELINE3 Filed as: KENNETH C. GRAVELINE | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | STARMOUNT LIFE INSURANCE COMPANY | $14K | $9K | $23K | 9.88% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 14 BUSINESS PARK DRIVE, SUITE 8 BRANFORD, CT 06405 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 17.28% |
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 | 486 | 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) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 370 | $235K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 370 | $235K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $57K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 400 | $322K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $57K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 486 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.