| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE MERIDEN, CT 06450 | AETNA LIFE INSURANCE COMPANY | $19K | $35K | $54K | 0.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CONTINENTAL AMERICA INSURANCE COMPANY | $36K | $0 | $36K | 40.04% |
| JEANNETTE A COLE3 Filed as: JEANNETTE A. COLE AND OTHER AGENTS | 23 CLIFF STREET EAST HAVEN, CT 06512 | CONTINENTAL AMERICA INSURANCE COMPANY | $14K | $0 | $14K | 16.06% |
| EPSIX, INC.3 | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICA INSURANCE COMPANY | $14K | $0 | $14K | 15.95% |
| CHRISTOPHER M. MCKIERNAN3 | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICA INSURANCE COMPANY | $12K | $0 | $12K | 12.99% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICA INSURANCE COMPANY | $6K | $0 | $6K | 6.27% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICA INSURANCE COMPANY | $5K | $0 | $5K | 5.32% |
| DENISE POIRIER3 Filed as: DENISE C. PORTER | 41 BENX STREET ANSONIA, CT 06401 | CONTINENTAL AMERICA INSURANCE COMPANY | $3K | $0 | $3K | 3.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON STREET, 3RD FLOOR MERIDEN, CT 06450 | THE STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 5.53% |
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 | 1,060 | 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) | 1,060 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 717 | $6.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 717 | $6.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 717 | $6.0M |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 1,060 | $38K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 46 | $26K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 717 | $6.0M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICA INSURANCE COMPANY | 1,600 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,600 | — |
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.