| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | HORIZON HEALTHCARE SERVICES, INC. | $55K | — | $55K | 1.40% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BENEFIT | SOURCES AND SOLUTION CHANDLER 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $37K | — | $37K | 0.95% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | HORIZON HEALTHCARE SERVICES, INC. | $5K | — | $5K | 1.05% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BENEFIT | SOURCES AND SOLUTION CHANDLER 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $3K | — | $3K | 0.72% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 60 CROSSWAYS PARK DRVIE WEST SUITE 305 WOODBURY, NY 11797 | GUARDIAN | $14K | $2K | $16K | 4.62% |
| ACRISURE LLC3 | 100 PASSAIC AVE SUITE 120 FAIRFIELD, NJ 07004 | GUARDIAN | $7K | $837 | $8K | 2.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE, IN. | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 23.59% |
| THOMAS P MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 14.94% |
| LORI A. VEILLETTE3 Filed as: LORI A VEILLETTE | 48 ACADEMY HILL RD EXT DERBY, CT 06418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.40% |
| JEANNETTE A COLE3 Filed as: JEANNETTE ANN COLE | 23 CLIFF ST EAST HAVEN, CT 06512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $834 | — | $834 | 2.63% |
| DENISE POIRIER3 Filed as: DENISE COTE POIRIER | 116 WEST WALK WEST HAVEN, CT 06516 | CONTINENTAL AMERICAN INSURANCE COMPANY | $787 | — | $787 | 2.48% |
| FRANK GREGORY PUTNEY3 | 11 BALAUREL DRIVE GUILFORD, CT 06437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $775 | — | $775 | 2.44% |
| JOHANN S SCRIMSHIRE3 Filed as: JOHANN SCOTT SCRIMSHIRE | 125 S MAIN STREET SUITE 405 SEBASTOPOL, CA 95472 | CONTINENTAL AMERICAN INSURANCE COMPANY | $757 | — | $757 | 2.38% |
| STEPHEN WEST3 | 5 JANE ST BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $492 | — | $492 | 1.55% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET NEW YORK, NY 10005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $352 | — | $352 | 1.11% |
| JUSTIN GRIFFEY3 | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $271 | — | $271 | 0.85% |
| KENNETH C GRAVELINE3 Filed as: KENNETH CARL GRAVELINE | 20 CORRINE STREET PROSPECT, CT 06712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 0.62% |
| SAMUEL TATUM3 | 14 POWDER HORN HILL RD WILTON, CT 06897 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | — | $160 | 0.50% |
| CHRISTOPHER MICHAEL MCKIERNAN3 | 2795 PINE AVE RONKONKOMA, NY 11779 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.30% |
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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 242 | $3.9M |
| Dental | GUARDIAN | 261 | $338K |
| Vision | GUARDIAN | 261 | $338K |
| Life insurance | GUARDIAN | 261 | $338K |
| Short-term disability | GUARDIAN | 261 | $338K |
| Long-term disability | GUARDIAN | 261 | $338K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 242 | $487K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 261 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.