| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $0 | $15K | 3.05% |
| MJ INSURANCE3 Filed as: JAMES R. CONFORT & VARIOUS AGENTS | 3 SUNSET LANE GARDEN CITY, NY 11530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32K | $0 | $32K | 7.40% |
| ADD LLC3 | 2506 GATEWOOD STREET DANIEL ISLAND, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 5.49% |
| ES, LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 4.24% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 3.97% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 1.81% |
| MARGARET P WEEKLEY3 Filed as: MARGARET P. WEEKLEY | 172 ROSEN LANE STAUNTON, VA 24401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.99% |
| KATHRYN P BAKER3 Filed as: KATHRYN P. BAKER | 15 MEADOWBROOK ROAD MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | $0 | $76K | 29.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $5K | $17K | 8.96% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD SUITE 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $34K | $0 | $34K | 25.47% |
| ADD LLC3 | 2506 GATEWOOD STREET DANIEL ISLAND, SC 29492 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 13.65% |
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 | 1,430 | 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) | 1,430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 63 | $488K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 620 | $257K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 620 | $257K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,430 | $323K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 565 | $437K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,430 | $189K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 63 | $488K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,430 | $626K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,430 | — |
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.