| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 21 CONGRESS STREET, SUITE 202 SARATOGA SPRINGS, NY 12206 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $239K | $0 | $239K | 2.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $14K | $0 | $14K | 4.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | MVP HEALTHCARE | $10K | $0 | $10K | 4.36% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE NILFORD, CT 06460 | AFLAC | $10K | $1K | $12K | 5.44% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $10K | $0 | $10K | 4.51% |
| MJ INSURANCE3 Filed as: SEAN T. MCKIERNAN AND OTHER AGENTS | 14545 SOUTH MILITARY TRAIL SUITE J DEL RAY BEACH, FL 33484 | AFLAC | $4K | $417 | $4K | 2.08% |
| THOMAS MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $4K | $0 | $4K | 1.95% |
| STEVEN E. WEST3 | 5 JANE COURT BEACON FALLS, CT 06403 | AFLAC | $2K | $308 | $2K | 1.04% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $1K | $0 | $1K | 0.70% |
| DENNIS C. POIRIER3 | 116 WEST WALK WEST HAVEN, CT 06516 | AFLAC | $686 | $0 | $686 | 0.32% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON STREET, 3RD FLOOR MERIDEN, CT 06450 | FIRST UNUM LIFE INSURANCE COMPANY | $894 | $181 | $1K | 3.38% |
| ENROLLEASE3 Filed as: JAEGER AND FLYNN ASSOCIATES INC | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 1.79% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 1.57% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.90% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.45% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.22% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.22% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 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 | 1,096 | 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) | 1,096 | 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. | 1,232 | $8.9M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 1,096 | $321K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 1,096 | $321K |
| Prescription drug(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 1,232 | $8.9M |
| Other(4 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 1,096 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,232 | — |
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.