| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | $174K | $1K | $175K | 3.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $735 | $0 | $735 | 5.93% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $377 | $0 | $377 | 3.04% |
| STEPHEN WEST3 Filed as: STEPHEN E. WEST | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $204 | $0 | $204 | 1.65% |
| MJ INSURANCE3 Filed as: CLAUDIA OLIVEIRA AND VARIOUS AGENTS | 7 ARROWHEAD ROAD NORTH HAVEN, CT 06473 | AFLAC | $203 | $0 | $203 | 1.64% |
| MJ INSURANCE3 Filed as: PATRICIA CROTEAU AND VARIOUS AGENTS | 128 CHURCH STREET, 2ND FLOOR WALLINGFORD, CT 06492 | AFLAC | $112 | $0 | $112 | 0.90% |
| MJ INSURANCE3 Filed as: KAREN E. BUCK AND VARIOUS AGENTS | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $94 | $0 | $94 | 0.76% |
| ANTHONY M. LAKE3 | 16 OVERTON AVENUE MILFORD, CT 06460 | AFLAC | $93 | $0 | $93 | 0.75% |
| MJ INSURANCE3 Filed as: KELLY S. ASSIS AND VARIOUS AGENTS | 3 OAKWOOD AVENUE, SUITE A21 NORWALK, CT 06850 | AFLAC | $85 | $0 | $85 | 0.69% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $73 | $0 | $73 | 0.59% |
| KATHRYN P BAKER3 Filed as: KATHRYN P. BAKER | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $71 | $0 | $71 | 0.57% |
| CHRISTOPHER M. MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $61 | $0 | $61 | 0.49% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES E. ROSCOE | 2085 PARKVIEW DRIVE TWINSBURG, OH 44087 | AFLAC | $59 | $0 | $59 | 0.48% |
| RICHARD SAENZ3 | 657 OLD STRATFIELD ROAD FAIRFIELD, CT 06825 | AFLAC | $49 | $0 | $49 | 0.40% |
| JUSTIN GRIFFEY3 | 444 ONCREST DRIVE CLIFFSIDE PARK, NJ 07010 | AFLAC | $48 | $0 | $48 | 0.39% |
| SHAVONNE D JOHNSON3 Filed as: SHAVONNE D. JOHNSON | 100 STATE STREET, SUITE 24 NORTH HAVEN, CT 06473 | AFLAC | $40 | $0 | $40 | 0.32% |
| KELLY ASSIS3 Filed as: KELLY S. ASSIS | 3 OAKWOOD AVENUE, SUITE A21 NORWALK, CT 06850 | AFLAC | $34 | $0 | $34 | 0.27% |
| DENISE POIRIER3 Filed as: DENISE C. POIRIER | 116 WEST WALK WEST HAVEN, CT 06516 | AFLAC | $27 | $0 | $27 | 0.22% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS. AGENCY INC AND AGENTS | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $21 | $0 | $21 | 0.17% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $20 | $0 | $20 | 0.16% |
| KENNETH C GRAVELINE3 Filed as: KENNETH C. GRAVELINE | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $20 | $0 | $20 | 0.16% |
| KRISTEN EDGE3 Filed as: KRISTEN M. SPINOSO | 6028 YALE COURT NORTH RIDGEVILLE, OH 44039 | AFLAC | $12 | $0 | $12 | 0.10% |
| ANGELA FANKHAUSER3 Filed as: ANGELA M . FANKHAUSER | 34030 MAPLE DRIVE SOLON, OH 44139 | AFLAC | $10 | $0 | $10 | 0.08% |
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 | 411 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 732 | $5.3M |
| Dental | ANTHEM HEALTH PLANS, INC. | 732 | $5.3M |
| Vision | ANTHEM HEALTH PLANS, INC. | 732 | $5.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 45 | $82K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 45 | $82K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 732 | $5.3M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 45 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 732 | — |
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."
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.