| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $120K | $0 | $120K | 3.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $12K | $0 | $12K | 5.50% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $7K | $516 | $7K | 4.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 ATTENTION KAREN NASH MERIDEN, CT 06450 | AFLAC | $6K | $0 | $6K | 3.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE, FLOOR 5 NEW YORK, NY 10016 | AFLAC | $3K | $0 | $3K | 2.04% |
| DENIS POIRIER3 | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $2K | $295 | $3K | 1.71% |
| MJ INSURANCE3 Filed as: DEBORAH SCOTT AND VARIOUS AGENTS | 40 JEFFERSON AVENUE DANBURY, CT 06810 | AFLAC | $2K | $75 | $3K | 1.63% |
| FILIPE COELHO3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $2K | $336 | $2K | 1.55% |
| KATHRYN BAKER3 | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $2K | $189 | $2K | 1.13% |
| KAREN SPINOSO3 | 24860 KENNEDY RIDGE ROAD, APT 103 NORTH OLMSTED, OH 44070 | AFLAC | $1K | $168 | $2K | 1.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | AND VARIOUS AGENTS 555 PLEASANTVILLE ROAD, SUITE 301N BRIARCLIFF MANOR, NY 10510 | AFLAC | $1K | $84 | $2K | 1.02% |
| MJ INSURANCE3 Filed as: GAIL ANDERSON AND VARIOUS AGENTS | 119 HUGHES STREET EAST HAVEN, CT 06512 | AFLAC | $1K | $108 | $1K | 0.86% |
| HECTOR ZAYAS3 | 2 WINTER STREET ANSONIA, CT 06401 | AFLAC | $1K | $201 | $1K | 0.83% |
| KAREN BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $740 | $187 | $927 | 0.60% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $793 | $50 | $843 | 0.54% |
| MICHAEL P ROLDAN3 Filed as: MICHAEL ROLDAN | 6895 EAST CAMELBACK ROAD UNIT 6028 SCOTTSDALE, AZ 85251 | AFLAC | $663 | $121 | $784 | 0.51% |
| CLAUDIA OLIVEIRA3 | 209 LANE STREET HAMDEN, CT 06514 | AFLAC | $519 | $118 | $637 | 0.41% |
| KELLY ASSIS3 | 16 OVERTON AVENUE MILFORD, CT 06460 | AFLAC | $586 | $51 | $637 | 0.41% |
| ANTHONY LAKE3 | 16 OVERTON AVENUE MILFORD, CT 06460 | AFLAC | $485 | $55 | $540 | 0.35% |
| THOMAS WESLEY3 | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | AFLAC | $397 | $38 | $435 | 0.28% |
| MJ INSURANCE3 Filed as: KAREN BUCK AND VARIOUS AGENTS | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $430 | $0 | $430 | 0.28% |
| MICHAEL GRANNON3 | 20 BETTY LANE SALEM, NH 03079 | AFLAC | $375 | $42 | $417 | 0.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 555 PLEASANTVILLE ROAD, SUITE 301N BRIARCLIFF MANOR, NY 10510 | AFLAC | $395 | $0 | $395 | 0.26% |
| MJ INSURANCE3 Filed as: STEPHEN WEST AND VARIOUS AGENTS | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $310 | $49 | $359 | 0.23% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY, INC. | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $176 | $5 | $181 | 0.12% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST ROAD, SUITE 6-7 ORGANE, CT 06477 | AFLAC | $103 | $0 | $103 | 0.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $285 | $4K | 15.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $122 | $1K | 10.06% |
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 | 793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,211 | $3.9M |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 577 | $224K |
| Vision | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 577 | $224K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $27K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,211 | $3.9M |
| Other(3 contracts, 2 carriers) | AFLAC | 113 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,211 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.