| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | $44K | $167K | 4.27% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $62 | $62 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171K | $0 | $171K | 11.71% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109K | $0 | $109K | 7.49% |
| JILL A. SPIRA AND OTHER AGENTS3 | 1404 SWEET HOME ROAD, SUITE 1 AMHERST, NY 14228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91K | $0 | $91K | 6.24% |
| SHAWN DECELLE3 Filed as: SHAWN D. DECELLE | 20 WILLOW LANE WYNANTSKILL, NY 12198 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | $0 | $29K | 2.00% |
| RACHEL HICKOK3 | 63 ACADEMY STREET GREENWICH, NY 12834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 0.78% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 0.76% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 0.60% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 3300 NORTH SCOTTSDALE ROAD APT 4020 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $122K | $0 | $122K | 21.53% |
| USI INSURANCE SERVICES LLC3 | 190 RIVER ROAD, SUITE 101 SUMMIT, NJ 07901 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $110K | $0 | $110K | 19.29% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.01% |
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 | 1,805 | 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) | 1,805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,244 | $3.9M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 3,561 | $230K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,244 | $4.5M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,244 | $5.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,244 | $3.9M |
| Prescription drug | MAXORPLUS, LTD. | 3,813 | $188K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,244 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,244 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.