| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 21 CONGRESS STREET, SUITE 202 SARATOGA SPRINGS, NY 12866 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | $208K | $0 | $208K | 2.75% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN HUDSON, NY 12534 | MVP HEALTH CARE | $15K | $0 | $15K | 4.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $5K | $0 | $5K | 4.12% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD SUITE 6 AND 7 ORANGE, CT 06477 | AFLAC | $5K | $266 | $5K | 3.90% |
| MJ INSURANCE3 Filed as: MICHAEL REYES AND VARIOUS AGENTS | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $4K | $484 | $4K | 3.06% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $2K | $331 | $3K | 2.12% |
| MICHAEL P ROLDAN3 Filed as: MICHAEL ROLDAN | 57 WEST TOWN STREET, UNIT 1E MILFORD, CT 06460 | AFLAC | $1K | $0 | $1K | 0.80% |
| FILIPE COELHO3 | 109 BOSTON POST ROAD SUITE 206 AND 207 ORANGE, CT 06477 | AFLAC | $1K | $13 | $1K | 0.79% |
| SEAN MCKIERNAN3 | 1745 EASTBURN AVENUE APARTMENT D6 BRONX, NY 10457 | AFLAC | $1K | $0 | $1K | 0.78% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $65 | $0 | $65 | 2.52% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 1.24% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.74% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.16% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.12% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH WATER STREET PROVIDENCE, RI 02903 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.08% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,476 | $7.9M |
| Prescription drug(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,476 | $7.9M |
| Other(2 contracts, 2 carriers) | AFLAC | 166 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,476 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.