| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $129K | $42K | $171K | 4.62% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMIN. INC. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $0 | $22K | 0.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $25 | $25 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90K | $0 | $90K | 6.90% |
| LORI A. VEILLETTE3 Filed as: LORI A. VEILLETTE AND OTHER AGENTS | 48 ACADEMY HILL ROAD EXT DERBY, CT 06418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45K | $0 | $45K | 3.45% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | $0 | $42K | 3.23% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | $0 | $28K | 2.14% |
| SHAWN DECELLE3 Filed as: SHAWN D. DECELLE | 20 WILLOW LANE WYNANTSKILL, NY 12198 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 0.65% |
| RACHEL HICKOK3 | 63 ACADEMY STREET GREENWICH, NY 12834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 0.54% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 0.46% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $260K | $0 | $260K | 38.49% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $186K | $0 | $186K | 27.52% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD SUITE 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $646 | $0 | $646 | 0.10% |
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 | 2,056 | 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) | 2,056 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,832 | $3.7M |
| Vision | ANTHEM BLUE CROSS | 3,444 | $196K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,832 | $4.4M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,832 | $5.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,832 | $3.7M |
| Prescription drug | MAXORPLUS, LTD. | 3,706 | $124K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,832 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,832 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.