| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 530 PRESTON STREET MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $154K | $0 | $154K | 2.51% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE, SUITE 8 BRANFORD, CT 06405 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | $0 | $55K | 0.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $20K | $22K | 0.36% |
| ES, LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CONTINENTAL AMERICA INSURANCE COMPANY | $20K | $0 | $20K | 6.91% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICA INSURANCE COMPANY | $9K | $0 | $9K | 3.31% |
| MJ INSURANCE3 Filed as: LYNN M. ZINKER AND VARIOUS AGENTS | 30 MARION STREET WEST HAVEN, CT 06516 | CONTINENTAL AMERICA INSURANCE COMPANY | $8K | $0 | $8K | 2.79% |
| CHRISTOPHER M. MCKIERNAN3 | 109 BOSTON POST ROAD ORANGE, CA 06477 | CONTINENTAL AMERICA INSURANCE COMPANY | $5K | $0 | $5K | 1.71% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICA INSURANCE COMPANY | $3K | $0 | $3K | 1.21% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICA INSURANCE COMPANY | $2K | $0 | $2K | 0.82% |
| JEANNETTE A COLE3 Filed as: JEANNETTE A. COLLE | 23 CLIFF STREET EAST HAVEN, CT 06512 | CONTINENTAL AMERICA INSURANCE COMPANY | $1K | $0 | $1K | 0.46% |
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 | 1,432 | 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) | 1,432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,445 | $6.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,445 | $6.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,445 | $6.1M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,445 | $6.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 36 | $22K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,445 | $6.1M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,445 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,445 | — |
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.