| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS J CIANCI3 | 21 MEADOWS WOOD DRIVE SUFFIELD, CT 06078 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $16K | — | $16K | 3.50% |
| NICHOLAS J CIANCI3 | 21 MEADOW WOOD DRIVE SUFFIELD, CT 06078 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.97% |
| NICHOLAS J CIANCI3 Filed as: NICHOLAS CIANCI | 65 LASALLE ROAD SUITE 200 WEST HARTFORD, CT 06107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 7.50% |
| THOMAS P MCKIERNAN3 | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.67% |
| THOMAS P MCKIERNAN3 | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.24% |
| CHRISTOPHER M. MCKIERNAN3 Filed as: CHRISTOPHER M MCKIERNAN | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.94% |
| NICHOLAS J CIANCI3 Filed as: NICHOLAS CIANCI | 21 MEADOW WOOD DRIVE SUFFIELD, CT 06078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.47% |
| JORDAN D EMMANS3 | 438 WEST 26TH AVENUE SPOKANE, WA 99203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $707 | — | $707 | 0.79% |
| DENISE POIRIER3 Filed as: DENISE C POIRIER | 41 BENZ STREET ANSONIA, CT 06401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $501 | — | $501 | 0.56% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $441 | — | $441 | 0.49% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $377 | — | $377 | 0.42% |
| EMMANS D JORDAN3 | 438 WEST 26TH AVENUE SPOKANE, WA 99203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $295 | — | $295 | 0.33% |
| DEAN F SHIPMAN3 | 13600 OWEN ROAD BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | — | $259 | 0.29% |
| JUSTIN M BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | — | $248 | 0.28% |
| KAREN BUCK3 Filed as: KAREN E BUCK | 71 DEEPWOOD DRIVE MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $209 | — | $209 | 0.23% |
| JOHANN S SCRIMSHIRE3 | 125 SOUTH MAIN STREET SUITE 405 SEBASTOPOL, CA 95472 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 0.20% |
| DEAN F SHIPMAN3 | 13600 OWEN ROAD BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | — | $159 | 0.18% |
| JEANNETTE A COLE3 | 23 CLIFF STREET EAST HAVEN, CT 06512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | — | $154 | 0.17% |
| KENNETH C GRAVELINE3 | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 0.16% |
| JOHANN S SCRIMSHIRE3 | 125 SOUTH MAIN STREET SUITE 405 SEBASTOPOL, CA 95472 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | — | $123 | 0.14% |
| FRANK GREGORY PUTNEY3 Filed as: FRANK G PUTNEY | 11 BALAUREL DRIVE GUILFORD, CT 06437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.13% |
| THOMAS MCKIERNAN3 | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 0.12% |
| TERRY K ALLEN3 | PO BOX 13406 SPOKANE, WA 99213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.10% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.09% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.09% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.08% |
| KENNETH C GRAVELINE3 | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.06% |
| ZACK PLOTZKER3 | 8759 CASHIO STREET LOS ANGELES, CA 90035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.05% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.05% |
| JAIME PUERTA3 | 28443 SANTA CATARINA ROAD SANTA CLARITA, CA 91350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.04% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.04% |
| THOMAS P MCKIERNAN3 | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.04% |
| ZACK PLOTZKER3 | 8759 CASHIO STREET LOS ANGELES, CA 90035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| HEIDI A HERDMAN3 | 150A ANDOVER STREET DANERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| JAIME PUERTA3 | 28443 SANTA CATARINA ROAD SANTA CLARITA, CA 91350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| HEIDI A HERDMAN3 | 150A ANDOVER STREET DANERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVENUE INTERLAKE NORTH, NJ 07712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY M MESSENGER | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| LISA M HALL3 | 2542 EAST SUNDOWN DRIVE COEUR DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| DANIEL J BAKLEY3 | 600 COLLEGE AVENUE UNIT B SANTA ROSA, CA 95404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| GEORGE E ARBID3 | 25728 LEWIS WAY STEVENSON RANCH, CA 91381 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| SAHAR QABAZARD3 | 18121 CALIFORNIA COURT SONOMA, CA 95476 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| CHRISTOPHER M. MCKIERNAN3 Filed as: CHRISTOPHER M MCKIERNAN | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 65 | $456K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $192K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $102K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 51 | $164K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 158 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.