| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 530 PRESTONE AVENUE, SUITE 3 MERIDEN, CT 06450 | DELTA DENTAL OF CONNECTICUT, INC. | $9K | $0 | $9K | 2.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $2K | $20K | 8.19% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.87% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | $3K | $234 | $3K | 10.74% |
| SAMUEL TATUM3 | 152 HURLBUTT STREET WILTON, CT 06897 | AFLAC | $1K | $28 | $1K | 15.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $450 | $0 | $450 | 4.83% |
| PAUL M WALSH3 | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $194 | $0 | $194 | 2.08% |
| HIKARY A BURNS3 | 3 MARSH COURT WESTPORT, CT 06880 | AFLAC | $151 | $3 | $154 | 1.65% |
| USI INSURANCE SERVICES LLC3 | 95 GLASTONBURY BOULEVARD, SUITE 406 GLASTONBURY, CT 06033 | AFLAC | $115 | $0 | $115 | 1.23% |
| BRIAN FAIN3 | 54 THIMBLE FARMS ROAD BRANFORD, CT 06405 | AFLAC | $89 | $0 | $89 | 0.95% |
| CHRISTOPHER S AUSTERMANN3 | 41 NEW LONDON TURNPIKE, SUITE B GLASTONBURY, CT 06033 | AFLAC | $88 | $0 | $88 | 0.94% |
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 | 437 | 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) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 18 | $68K |
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 591 | $363K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 492 | $97K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 437 | $249K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 437 | $249K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 18 | $68K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,400 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,400 | — |
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.