| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CONNECTICARE, INC. | $48K | $0 | $48K | 3.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 3.02% |
| THOMAS J KOWALCHIK3 | UNKNOWN WESTPORT, CT 06880 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $9K | $0 | $9K | 5.00% |
| THOMAN MCKIERNAN3 | 7025 EAST VIA SOLERI DRIVE UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $2K | $101 | $2K | 5.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $2K | $0 | $2K | 4.92% |
| BRIAN FAIN3 Filed as: BRIAN FAIN AND OTHER AGENTS | 54 THIMBLE FARM ROAD BRANFORD, CT 06405 | AFLAC | $2K | $57 | $2K | 4.15% |
| FILIPE A COELHO3 Filed as: FILIPE CIELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $2K | $40 | $2K | 3.31% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $755 | $155 | $910 | 1.87% |
| CLAUDIA OLIVEIRA3 | 209 LANE STREET HAMDEN, CT 06514 | AFLAC | $393 | $118 | $511 | 1.05% |
| DEBORAH SCOTT3 | 40 JEFFERSON AVENUE DANBURY, CT 06810 | AFLAC | $428 | $0 | $428 | 0.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $4K | $0 | $4K | 9.86% |
| DENISE POIRIER3 | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $3K | $219 | $3K | 9.02% |
| THOMAS MCKIERNAN3 | 7025 EAST VIA SOLERI DRIVE UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $3K | $127 | $3K | 6.82% |
| FILIPE A COELHO3 Filed as: FILIPE COELHO AND OTHER AGENTS | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $1K | $8 | $1K | 3.08% |
| PATRICIA CROTEAU3 | 128 CHURCH STREET 2ND FLOOR WALLINGFORD, CT 06492 | AFLAC | $798 | $153 | $951 | 2.47% |
| GAIL ANDERSON3 | 119 HOGHES STREET EAST HAVEN, CT 06512 | AFLAC | $632 | $5 | $637 | 1.65% |
| JON STARR3 | 597 WESTPORT AVENUE UNIT C562 NORWALK, CT 06851 | AFLAC | $386 | $122 | $508 | 1.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $3K | $0 | $3K | 9.19% |
| THOMAS MCKIERNAN3 | 7025 EAST VIA SOLERI DRIVE UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $2K | $118 | $2K | 6.60% |
| KAREN BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $2K | $230 | $2K | 6.15% |
| CLAUDIA OLIVEIRA3 | 209 LANE STREET HAMDEN, CT 06514 | AFLAC | $918 | $77 | $995 | 3.04% |
| FILIPE COELHO3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $812 | $71 | $883 | 2.69% |
| MICHAEL P ROLDAN3 Filed as: MICHAEL ROLDAN | 57 WEST TOWN STREET UNIT 1E MILFORD, CT 06460 | AFLAC | $268 | $111 | $379 | 1.16% |
| KATHRYN BAKER3 | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $108 | $22 | $130 | 0.40% |
| KELLY ASSIS3 | 109 BOSTON POST ROAD SUITE 6-7 ORANGE, CT 06477 | AFLAC | $105 | $0 | $105 | 0.32% |
| MICHAEL GRANNON3 | 145 MAPLE AVE OLD SAYBROOK, CT 06475 | AFLAC | $102 | $0 | $102 | 0.31% |
| SAMIR TORPRANI3 | 22 MAIN STREET APT 13 DANBURY, CT 06810 | AFLAC | $85 | $0 | $85 | 0.26% |
| JEANNETTE A COLE3 Filed as: JEANNETTE COLE | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $71 | $14 | $85 | 0.26% |
| DEBORAH SCOTT3 | 40 JEFFERSON AVE DANBURY, CT 06810 | AFLAC | $67 | $0 | $67 | 0.20% |
| ANDRE TULLO3 | 18 CARMEN STREET EAST HAVEN, CT 06512 | AFLAC | $53 | $11 | $64 | 0.20% |
| BRIAN FAIN3 | 54 THIMBLE FARM ROAD BRANFORD, CT 06405 | AFLAC | $62 | $0 | $62 | 0.19% |
| KENNETH PARSON3 | 43 NEW RHODODENDRON CHAPEL HILL, NC 27517 | AFLAC | $48 | $0 | $48 | 0.15% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $41 | $0 | $41 | 0.13% |
| GAIL ANDERSON3 | 119 HUGHES STREET EAST HAVEN, CT 06512 | AFLAC | $39 | $0 | $39 | 0.12% |
| DENISE POIRIER3 | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $37 | $0 | $37 | 0.11% |
| MICHAEL REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $36 | $0 | $36 | 0.11% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $32 | $0 | $32 | 0.10% |
| KENNETH GRAVELINE3 | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $17 | $0 | $17 | 0.05% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $16 | $0 | $16 | 0.05% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE ROAD WAYNE, NJ 07470 | AFLAC | $13 | $0 | $13 | 0.04% |
| MJ INSURANCE3 Filed as: SHELBY THRELOFF | 145 CHESTNUT HILL ROAD EAST HAMPTON, CT 06424 | AFLAC | $12 | $0 | $12 | 0.04% |
| JOHN K SCHULE3 Filed as: JOHN SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $11 | $0 | $11 | 0.03% |
| FRED A LUCIANO JR3 Filed as: FRED LUCIANO JR | 23 SPRING VALLEY ROAD WOODBRIDGE, CT 06525 | AFLAC | $9 | $0 | $9 | 0.03% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER AUSTERMANN | 100 MILL PLAIN ROAD SUITE 322 DANBURY, CT 06811 | AFLAC | $9 | $0 | $9 | 0.03% |
| WESTON BENEFIT CARD SERVICES INC3 | 13000 F YORK ROAD PMB 234 CHARLOTTE, NC 28278 | AFLAC | $4 | $0 | $4 | 0.01% |
| NATALIE D RYAN3 Filed as: NATALIE RYAN | 2038 LAKE MURRAY BLVD APT 4304 COLUMBIA, SC 29212 | AFLAC | $3 | $0 | $3 | 0.01% |
| CHRISTIAN VIRZI3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $2 | $0 | $2 | 0.01% |
| KATHRYN BAKER3 | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $3K | $136 | $3K | 10.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $2K | $0 | $2K | 8.63% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD SUITE 67 ORANGE, CT 06477 | AFLAC | $2K | $60 | $2K | 6.42% |
| MICHAEL P ROLDAN3 Filed as: MICHAEL ROLDAN | 57 WEST TOWN STREET SUITE 1E MILFORD, CT 06460 | AFLAC | $857 | $0 | $857 | 3.12% |
| KAREN BUCK3 Filed as: KAREN BUCK AND OTHER AGENTS | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $504 | $0 | $504 | 1.83% |
| PATRICIA PERRY3 | 20 WIND SOCK ROAD WEST HAVEN, CT 06516 | AFLAC | $242 | $0 | $242 | 0.88% |
| FILIPE COELHO3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $155 | $4 | $159 | 0.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 ATTENTION NEW ENGLAND VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | $1K | $0 | $1K | 6.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $128 | $2K | 11.11% |
| KRISTEN EDGE3 Filed as: KRISTEN SPINOSO | 24860 KENNEDY RIDGE ROAD APARTMENT 103 NORTH OLMSTED, OH 44070 | AFLAC | $1K | $0 | $1K | 12.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $959 | $0 | $959 | 8.74% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD SUITE 67 ORANGE, CT 06477 | AFLAC | $441 | $125 | $566 | 5.16% |
| THOMAS WESLEY3 | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | AFLAC | $341 | $2 | $343 | 3.13% |
| FILIPE COELHO3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $240 | $22 | $262 | 2.39% |
| CHARLES MCINTIRE AND OTHER AGENTS3 | 10630 RIVEREDGE DRIVE PARMA, OH 44130 | AFLAC | $224 | $5 | $229 | 2.09% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | 137 SEMICONO LANE RENFREW, PA 10653 | AFLAC | $186 | $2 | $188 | 1.71% |
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 | 551 | 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) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICARE, INC. | 428 | $2.5M |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 250 | $180K |
| Vision | ANTHEM HEALTH PLANS, INC. | 373 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 551 | $15K |
| Prescription drug(2 contracts, 2 carriers) | CONNECTICARE, INC. | 428 | $2.5M |
| Other(6 contracts, 2 carriers) | AFLAC | 551 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.