| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES CORP | 530 PRESTON ST, 3RD FLOOR MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 10.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR, STE. 350 VALHALLA, NY 10595 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON ST, 3RD FLOOR MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.98% |
| USI INSURANCE SERVICES LLC1 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR, STE. 350 VALHALLA, NY 10595 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON ST, 3RD FLOOR MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.79% |
| USI INSURANCE SERVICES LLC6 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR, STE. 350 VALHALLA, NY 10595 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.79% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON ST, 3RD FLOOR MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR, STE. 350 VALHALLA, NY 10595 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 530 PRESTON ST, 3RD FLOOR MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 530 PRESTON ST, 3RD FLOOR MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $617 | $0 | $617 | 3.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | — |
| THOMAS P MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $493 | — | $493 | — |
| JEANNETTE A COLE3 | 23 CLIFF ST EAST HAVEN, CT 06512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | — |
| CHRISTIAN PISANI3 | 47 CRISSEY LANE SOUTHINGTON, CT 06489 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | — |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD SUITE 400 ROCKVILLE, MD 20850 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | — |
| STEPHEN WEST3 | 5 JANE ST BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | — |
| JASON FAHRER3 | 3310 PRESERVE OAKS COURT FAIRFAX, VA 22030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | — |
| KENNETH C GRAVELINE3 | 20 CORRINE ST PROSPECT, CT 06712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | — |
| ANNA J. TRAINO3 Filed as: ANNA TRAINO | 15 LAKEWOOD RD EAST HAMPTON, CT 06424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | — |
| MICHAEL C WALKER3 Filed as: MICHAEL B HENSH | 64 KERRY LYNN CT WILLIAMSTOWN, NJ 08094 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | — |
| PHILIP D REIBMAN3 | 9823 BRANCHWATER AVENUE CHARLOTTE, NC 28277 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | — |
| CHRISTOPHER S AUSTERMANN3 | 15 LAKEWOOD RD EAST HAMPTON, CT 06424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | — |
| MICHAEL C WALKER3 Filed as: MICHAEL B HENSH | 64 KERRY LYNN CT WILLIAMSTOWN, NJ 08094 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | — |
| MEGAN L KEEFE3 | 139 EAST WEST HILL ROAD BARKHAMSTEAD, CT 06063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | — |
| ANASTASIA BARANOV3 | 3746 COLLEGE AVE ELLICOTT CITY, MD 21043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | — |
| SVETLANA ZEITLIN3 | 1020 N DELAWARE AVE FLOOR 4 PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | — |
| AIMEE BRANDON3 Filed as: AIMEE Z BRANDON | 28322 OPEN FIELD LOOP WESLEY CHAPEL, FL 33543 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | — |
| AIMEE BRANDON3 Filed as: AIMEE Z BRANDON | 28322 OPEN FIELD LOOP WESLEY CHAPEL, FL 33543 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | — |
| MICHAEL BAECKER3 | 71 GEER ST CROMWELL, CT 06416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | — |
| SVETLANA ZEITLIN3 | 105 ADDIS DR CHURCHVILLE, PA 18966 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | — |
| SCOTT T JACOB3 | 30280 SOUTHHAMPTON BRIDGE RD SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | — |
| SCOTT JACOB INS GROUP LLC3 | 573 BELLEVUE RD NEWARK, DE 19713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | — |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | — |
| JOSEPH E ROMANOWSKI3 | 1260 FOXBERRY CT CUMMING, GA 30041 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | — |
| MARCI M SCHNITKER3 | 1483 TAYLOR RD HOWE, TX 75459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | — |
| JOSEPH E ROMANOWSKI3 | 7260 FOXBERRY CT CUMMING, GA 30041 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | — |
| MATTHEW T O'HANLON3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | — |
| FREDERICK W WILSON ILL3 | 1004 E WHEEL RD BEL AIR, MD 21015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | — |
| JAMONT L KINDS3 | 7546 US RT 30 3RD FL IRWIN, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
| SEAN A DUGGAN3 | 4067 GOLD MILL RDG CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
| JAMONT L KINDS3 | 413 30TH ST MCKEESPORT, PA 15132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
| MICHAEL H FLEMING3 | 11186 BROKERS LN IRWIN, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
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 | 296 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 760 | $74K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 759 | $182K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $111K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 760 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.