| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 530 PRESTON ST, 3RD FLOOR MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 8.93% |
| 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 LLC Filed as: USI INSURANCE SERVICES CORP | 530 PRESTON ST, 3RD FLOOR MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 10.95% |
| 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 | $18K | $0 | $18K | 11.27% |
| 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 | $15K | $0 | $15K | 11.80% |
| 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 | $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 | $539 | — | $539 | 3.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | — |
| STEPHEN WEST3 | 5 JANE ST BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | — |
| JEANNETTE A COLE3 | 23 CLIFF ST EAST HAVEN, CT 06512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | — |
| EPSIX, INC. Filed as: EPSIX, INC | 3300 N SCOTTSDALE RD APT 4020 SCOTTSDALE, AZ 85251 | CONTINENTAL AMERICAN INSURANCE COMPANY | $844 | — | $844 | — |
| THOMAS P MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | — | $180 | — |
| CHRISTIAN PISANI3 | 47 CRISSEY LANE SOUTHINGTON, CT 06489 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | — |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD SUITE 400 ROCKVILLE, MD 20850 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | — |
| MICHAEL C WALKER3 Filed as: MICHAEL B HENSH | 64 KERRY LYNN CT WILLIAMSTOWN, NJ 08094 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | — |
| ANNA J. TRAINO3 Filed as: ANNA TRAINO | 15 LAKEWOOD RD EAST HAMPTON, CT 06424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | — |
| PHILIP D REIBMAN3 | 9823 BRANCHWATER AVENUE CHARLOTTE, NC 28277 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | — |
| CHRISTOPHER S AUSTERMANN3 | 15 LAKEWOOD RD EAST HAMPTON, CT 06424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | — |
| MEGAN L KEEFE3 | 139 EAST WEST HILL ROAD BARKHAMSTEAD, CT 06063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | — |
| ANASTASIA BARANOV3 | 3746 COLLEGE AVE ELLICOTT CITY, MD 21043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | — |
| AIMEE BRANDON3 Filed as: AIMEE Z BRANDON | 28322 OPEN FIELD LOOP WESLEY CHAPEL, FL 33543 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | — |
| JASON FAHRER3 | 3310 PRESERVE OAKS COURT FAIRFAX, VA 22030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | — |
| MICHAEL BAECKER3 | 71 GEER ST CROMWELL, CT 06416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | — |
| JOSEPH E ROMANOWSKI3 | 1260 FOXBERRY CT CUMMING, GA 30041 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | — |
| SVETLANA ZEITLIN3 | 105 ADDIS DR CHURCHVILLE, PA 18966 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | — |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | — |
| DENISE POIRIER Filed as: DENISE COTE POIRIER | 41 BENZ ST ANSONIA, CT 064012506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | — |
| MARCI M SCHNITKER3 | 1483 TAYLOR RD HOWE, TX 75459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | — |
| KENNETH C GRAVELINE3 | 20 CORRINE ST PROSPECT, CT 06712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | — |
| SCOTT T JACOB3 | 30280 SOUTHHAMPTON BRIDGE RD SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | — |
| SEAN A DUGGAN3 | 4067 GOLD MILL RDG CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | — |
| MATTHEW T O'HANLON3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | — |
| GEORGE E ARBID Filed as: GEORGE ELIE ARBID | 25728 LEWIS WAY STEVENSON RANCH, CA 91381 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | — |
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 | 654 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,566 | $169K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,524 | $168K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 654 | $160K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,566 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,566 | — |
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.