| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11 STANWIX STREET PITTSBURGH, PA 15222 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $234K | $0 | $234K | 2.77% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 825 NE MULTNOMAH STREET, 15TH FLOOR PORTLAND, OR 97232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $11K | $28K | 10.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $14K | $0 | $14K | 5.71% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN HUDSON, NY 12534 | MVP HEALTHCARE | $8K | $0 | $8K | 3.96% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $12K | $301 | $13K | 6.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $9K | $0 | $9K | 4.74% |
| STEPHEN WEST3 Filed as: STEPHEN E. WEST | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $3K | $294 | $3K | 1.59% |
| THOMAS MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $3K | $0 | $3K | 1.51% |
| MJ INSURANCE3 Filed as: SEAN T. MCKIERNAN AND OTHER AGENTS | 14545 SOUTH MILITARY TRAIL, SUITE J DELRAY BEACH, FL 33484 | AFLAC | $3K | $262 | $3K | 1.51% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $963 | $0 | $963 | 0.52% |
| DENISE POIRIER3 Filed as: DENISE C. POIRIER | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $525 | $0 | $525 | 0.28% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 3.76% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING EMPLOYEE BNFT | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 2.44% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.75% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET, SUITE 2B BRANDFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.19% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.19% |
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 | 1,014 | 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) | 1,014 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 980 | $8.7M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,014 | $503K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 603 | $264K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,014 | $503K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 980 | $8.7M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,014 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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.