| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 21 CONGRESS STREET, SUITE 202 SARATOGA SPRINGS, NY 12866 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | $227K | — | $227K | 2.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVENUE MERIDEN, CT 06450 | MVP HEALTH CARE | $19K | — | $19K | 4.26% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD SUITE 6 AND 7 ORANGE, CT 06477 | AFLAC | $6K | $295 | $7K | 4.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $7K | — | $7K | 4.60% |
| MJ INSURANCE3 Filed as: MICHAEL REYES AND VARIOUS AGENTS | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $4K | $433 | $4K | 2.87% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $4K | $537 | $4K | 2.85% |
| DENISE POIRIER3 | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $2K | $196 | $2K | 1.48% |
| JON STARR3 | 369 ROSEDALE AVENUE WHITE PLAINS, NY 10605 | AFLAC | $1K | $241 | $2K | 1.14% |
| SEAN MCKIERNAN3 | 1745 EASTBURN AVENUE, APT D8 BRONX, NY 10457 | AFLAC | $1K | — | $1K | 0.92% |
| ENROLLEASE3 Filed as: JAEGER AND FLYNN ASSOCIATES, INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $71 | — | $71 | 2.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | NEW ENGLAND DIVISION 820 VIRGINIA BEACH, VA 23466 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | — | $30 | 1.00% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.57% |
| PERRY L KANFER3 Filed as: PERRY L. KANFER | 4509 RUSH CREEK DRIVE JAMESVILLE, NY 13078 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.40% |
| AIKEN ENTERPRISES LLC3 Filed as: AIKEN ENTERPRISES, LLC | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.10% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.10% |
| DAVID L FLEURY3 | 545 SOUTH WATER STREET PROVIDENCE, RI 02903 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.07% |
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 | 632 | 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) | 632 | 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. | 1,485 | $8.7M |
| Vision(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,485 | $8.6M |
| Prescription drug(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,485 | $8.7M |
| Other(2 contracts, 2 carriers) | AFLAC | 149 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,485 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.