| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: CAFFREY NICHOLAS & VARIOUS AGENTS | 2141 INDUSTRIAL PARKWAY SUITE 204 SILVER SPRINGS, MD 20904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $314K | $0 | $314K | 63.76% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 2.14% |
| KATHRYN P BAKER3 Filed as: KATHRYN P. BAKER | 15 MEADOWBROOK ROAD MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.53% |
| CHRISTOPHER M. MCKIERNAN3 | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.35% |
| JEANNETTE A COLE3 Filed as: JEANNETTE A. COLE | 23 CLIFF STREET EAST HAVEN, CT 06512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.22% |
| DENISE POIRIER3 Filed as: DENISE C. POIRIER | 41 BENZ STREET ANSONIA, CT 06401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $938 | $0 | $938 | 0.19% |
| MICHELLE L. MOSLEY, LLC3 Filed as: MICHELLE L. MOSLEY LLC | 2556 CONWAY ROAD, SUITE 606 ORLANDO, FL 32812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $759 | $0 | $759 | 0.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 2.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 8.06% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON STREET, 3RD FLOOR MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $17K | 6.63% |
| THOMAS P MCKIERNAN3 | 3015 NORTH SCOTTSDALE ROAD SUITE 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $57K | $0 | $57K | 68.43% |
| ADD LLC3 | 2506 GATEWOOD STREET DANIEL ISLAND, SC 29492 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 19.98% |
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 | 1,037 | 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) | 1,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 54 | $468K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $327K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $327K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,503 | $345K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,060 | $493K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,503 | $263K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 54 | $468K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,503 | $755K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,503 | — |
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.
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.