| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | ANTHEM HEALTH PLANS, INC. | $128K | $0 | $128K | 2.62% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $17K | $0 | $17K | 4.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $3K | $0 | $3K | 5.75% |
| STEPHEN WEST3 | 5 JANE STREET BACON FALLS, CT 06403 | AFLAC | $2K | $24 | $2K | 3.85% |
| MJ INSURANCE3 Filed as: HECTOR ZAYAS AND VARIOUS AGENTS | 2 WINTER STREET ANSONIA, CT 06401 | AFLAC | $2K | $0 | $2K | 3.80% |
| THOMAS MCKIERNAN3 | 6895 EAST CAMELBACK ROAD SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $2K | $0 | $2K | 3.20% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $836 | $0 | $836 | 1.45% |
| FILIPE COELHO3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85252 | AFLAC | $594 | $0 | $594 | 1.03% |
| USI INSURANCE SERVICES LLC3 | 555 PLEASANTVILLE ROAD, SUITE 301N BRIARCLIFF MANOR, NY 10510 | AFLAC | $120 | $139 | $259 | 0.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $2K | $0 | $2K | 7.33% |
| MJ INSURANCE3 Filed as: PATRICIA CROTEAU AND VARIOUS AGENTS | 128 CHURCH STREET, 2ND FLOOR WALLINGFORD, CT 06492 | AFLAC | $2K | $158 | $2K | 6.96% |
| THOMAS MCKIERNAN3 | 6895 EAST CAMELBACK ROAD SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $1K | $0 | $1K | 3.20% |
| STEPHEN WEST3 | 5 JANE STREET BACON FALLS, CT 06403 | AFLAC | $838 | $25 | $863 | 2.70% |
| DENISE POIRIER3 | 116 WEST WALK WEST HAVEN, CT 06516 | AFLAC | $580 | $123 | $703 | 2.20% |
| SHAVONNE D JOHNSON3 Filed as: SHAVONNE JOHNSON | 100 STATE STREET, APARTMENT 24 NORTH HAVEN, CT 06473 | AFLAC | $528 | $0 | $528 | 1.65% |
| USI INSURANCE SERVICES LLC3 | 555 PLEASANTVILLE ROAD, SUITE 301N BRIARCLIFF MANOR, NY 10510 | AFLAC | $312 | $0 | $312 | 0.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $2K | $0 | $2K | 7.25% |
| MJ INSURANCE3 Filed as: KAREN BUCK AND VARIOUS AGENTS | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $1K | $101 | $2K | 4.89% |
| ANTHONY LAKE3 | 16 OVERTON AVENUE MILFORD, CT 06460 | AFLAC | $1K | $101 | $2K | 4.76% |
| THOMAS MCKIERNAN3 | 6895 EAST CAMELBACK ROAD SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $1K | $0 | $1K | 3.16% |
| KELLY ASSIS3 | 3 OAKWOOD AVENUE, APARTMENT A21 NORWALK, CT 06850 | AFLAC | $521 | $48 | $569 | 1.78% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $331 | $42 | $373 | 1.17% |
| USI INSURANCE SERVICES LLC3 | 555 PLEASANTVILLE ROAD, SUITE 301N BRIARCLIFF MANOR, NY 10510 | AFLAC | $241 | $0 | $241 | 0.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $2K | $0 | $2K | 8.53% |
| KATHRYN BAKER3 | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $1K | $167 | $1K | 5.44% |
| MJ INSURANCE3 Filed as: ANTHONY LAKE AND VARIOUS AGENTS | 16 OVERTON AVENUE MILFORD, CT 06460 | AFLAC | $1K | $84 | $1K | 4.99% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $846 | $0 | $846 | 3.30% |
| RICHARD SAENZ3 | 657 OLD STRATFIELD ROAD FAIRFIELD, CT 06825 | AFLAC | $771 | $0 | $771 | 3.00% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $425 | $42 | $467 | 1.82% |
| USI INSURANCE SERVICES LLC3 | 555 PLEASANTVILLE ROAD, SUITE 301N BRIARCLIFF MANOR, NY 10510 | AFLAC | $49 | $0 | $49 | 0.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $1K | $9 | $1K | 9.39% |
| CHARLES ROSCOE3 | 2085 PARKVIEW DRIVE TWINSBURG, OH 44087 | AFLAC | $772 | $9 | $781 | 7.09% |
| MJ INSURANCE3 Filed as: THOMAS WESLEY AND VARIOUS AGENTS | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | AFLAC | $286 | $0 | $286 | 2.59% |
| THOMAS MCKIERNAN3 | 6895 EAST CAMELBACK ROAD SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $275 | $0 | $275 | 2.49% |
| KRISTEN EDGE3 Filed as: KRISTEN SPINOSO | 6028 YALE COURT NORTH RIDGEVILLE, OH 44039 | AFLAC | $201 | $16 | $217 | 1.97% |
| STEPHEN WEST3 | 5 JANE STREET BACON FALLS, CT 06403 | AFLAC | $160 | $2 | $162 | 1.47% |
| ANGELA FANKHAUSER3 | 34030 MAPLE DRIVE SOLON, OH 44139 | AFLAC | $135 | $0 | $135 | 1.22% |
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 | 1,320 | 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) | 1,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 707 | $4.9M |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 442 | $335K |
| Vision | ANTHEM HEALTH PLANS, INC. | 707 | $4.9M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,320 | $37K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,320 | $37K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 707 | $4.9M |
| Other(6 contracts, 2 carriers) | AFLAC | 1,320 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,320 | — |
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.