| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $111K | $40K | $150K | 3.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $88 | $88 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $187K | $0 | $187K | 25.38% |
| MJ INSURANCE3 Filed as: CHARLEEN WRIGHT & VARIOUS AGENTS | 1025 EXECUTIVE BOULEVARD SUITE III CHESAPEAKE, VA 23320 | AFLAC | $128K | $0 | $128K | 17.43% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | AFLAC | $70K | $0 | $70K | 9.51% |
| EPSIX, INC.3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $42K | $0 | $42K | 5.69% |
| SHAWN DECELLE3 Filed as: SHAWN D. DECELLE | 20 WILLOW LANE WYNANTSKILL, NY 12198 | AFLAC | $25K | — | $25K | 3.45% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $7K | $0 | $7K | 0.99% |
| RACHEL HICKOK3 | 63 ACADEMY STREET GREENWICH, NY 12834 | AFLAC | $7K | $0 | $7K | 0.98% |
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS SVCS., INC. | 1800 WEST GRACE STREET RICHMOND, VA 23220 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.31% |
| BRADLEY W GRAMM3 Filed as: BRADLEY W. GRAMM | 100 EASTSHORE DRIVE SUITE 300 GLEN ALLEN, VA 23059 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $710 | $0 | $710 | 0.13% |
| UNKNOWN3 | UNKNOWN WATERFORD, NY 12188 | MAXORPLUS | $170K | $0 | $170K | 56.52% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN WATERFORD, NY 12188 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $177 | $7K | 13.58% |
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 | 2,022 | 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) | 2,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,752 | $3.8M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 3,939 | $201K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,752 | $4.4M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,752 | $4.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,752 | $3.8M |
| Prescription drug | MAXORPLUS | 4,323 | $300K |
| Other(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,752 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,752 | — |
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.