| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $104K | $29K | $134K | 3.73% |
| CHARLEEN WRIGHT3 Filed as: CHARLEEN WRIGHT AND OTHER AGENTS | 1025 EXECUTIVE BOULEVARD, SUITE 3 CHESAPEAKE, VA 23320 | AFLAC | $54K | $0 | $54K | 13.30% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | AFLAC | $40K | $0 | $40K | 9.96% |
| SHAWN DECELLE3 Filed as: SHAWN D. DECELLE | 20 WILLOW LANE WYNANTSKILL, NY 12198 | AFLAC | $9K | $0 | $9K | 2.14% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $8K | $0 | $8K | 1.88% |
| HELEN CASTEEL3 Filed as: HELEN I. CASTEEL | 8601 MANCHESTER ROAD, SUITE 305 SILVER SPRING, MD 20901 | AFLAC | $3K | $0 | $3K | 0.85% |
| MELISSA A. STEWART3 | 184 EDIE ROAD, SUITE A SARATOGA, NY 12866 | AFLAC | $3K | $0 | $3K | 0.82% |
| RACHEL HICKOK3 | 63 ACADEMY STREET GREENWICH, NY 12834 | AFLAC | $3K | $0 | $3K | 0.78% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD SUITE 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $142K | $0 | $142K | 63.74% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $124K | $0 | $124K | 55.78% |
| EPSIX, INC.3 | 3015 NORTH SCOTTSDALE ROAD SUITE 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 11.12% |
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 | 1,952 | 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) | 1,952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,588 | $3.6M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 3,847 | $218K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,588 | $3.8M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,588 | $4.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,588 | $3.6M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,588 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,588 | — |
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.