| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 21 CONGRESS STREET, SUITE 202 SUITE 202 SARATOGA SPRINGS, NY 12206 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $229K | $0 | $229K | 2.77% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN MERIDEN, CT 06450 | MVP HEALTHCARE | $13K | $0 | $13K | 3.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $24K | $4K | $28K | 9.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $14K | $0 | $14K | 6.29% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $10K | $2K | $12K | 5.52% |
| MJ INSURANCE3 Filed as: KAREN E BUCK AND VARIOUS AGENTS | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $8K | $1K | $9K | 4.29% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD SUITE 6 AND 7 ORANGE, CT 06477 | AFLAC | $7K | $772 | $7K | 3.31% |
| FILIPE A COELHO3 | 2155 WEST PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $2K | $530 | $3K | 1.33% |
| FRANK GREGORY PUTNEY3 | 11 BALAUREL DRIVE, SUITE 1 GUILFORD, CT 06437 | AFLAC | $2K | $99 | $2K | 0.93% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $2K | $8 | $2K | 0.76% |
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 | 1,090 | 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) | 1,090 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,337 | $8.6M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,017 | $308K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,017 | $308K |
| Prescription drug(4 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,337 | $8.6M |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,017 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,337 | — |
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.