| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 21 CONGRESS STREET, SUITE 202 SARATOGA SPRINGS, NY 12866 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $217K | $0 | $217K | 2.79% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN HUDSON, NY 12534 | MVP HEALTHCARE | $54K | $0 | $54K | 5.87% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $30K | $5K | $36K | 9.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $17K | $0 | $17K | 8.54% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD, SUITE 7 AND 8 ORANGE, CT 06477 | AFLAC | $11K | $114 | $11K | 5.48% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $9K | $306 | $9K | 4.80% |
| DENISE POIRIER3 Filed as: DENISE POIRIER AND OTHER AGENTS | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $7K | $109 | $7K | 3.50% |
| FILIPE COELHO3 | 2155 WEST PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $4K | $61 | $4K | 1.86% |
| MICHAEL ROLAND3 | 57 WEST TOWN STREET, UNIT 1E MILFORD, CT 06460 | AFLAC | $2K | $209 | $2K | 1.17% |
| KAREN BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $2K | $0 | $2K | 0.89% |
| ENROLLEASE3 Filed as: JAEGER AND FLYNN ASSOCIATES INC. | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 2.10% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 1.82% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.91% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.23% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.17% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 56 STRAWBERRY LANE PORTSMOUTH, RI 02871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.11% |
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 | 1,099 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,362 | $8.7M |
| Dental | DELTA DENTAL OF NEW YORK | 1,883 | $145K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,034 | $379K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,034 | $379K |
| Prescription drug(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,362 | $8.7M |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,034 | $577K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,883 | — |
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."
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.