| 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 | 3.38% |
| NICHOLAS J CIANCI3 Filed as: NICHOLAS CIANCI | 65 LASALLE ROAD SUITE 200 WEST HARTFORD, CT 06107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 9.14% |
| THOMAS MCKIERNAN3 | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 6.42% |
| JORDAN D EMMANS3 | 438 WEST 26TH AVENUE SPOKANE, WA 99203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| CHRISTOPHER M. MCKIERNAN3 Filed as: CHRISTOPHER M MCKIERNAN | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.04% |
| THOMAS P MCKIERNAN3 | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.84% |
| NICHOLAS J CIANCI3 Filed as: NICHOLAS CIANCI | 21 MEADOW WOOD DRIVE SUFFIELD, CT 06078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.75% |
| THOMAS P MCKIERNAN3 | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $889 | — | $889 | 0.66% |
| EMMANS D JORDAN3 | 438 WEST 26TH AVENUE SPOKANE, WA 99203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $871 | — | $871 | 0.65% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $682 | — | $682 | 0.51% |
| DENISE POIRIER3 Filed as: DENISE C POIRIER | 41 BENZ STREET ANSONIA, CT 06401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $578 | — | $578 | 0.43% |
| STEPHEN OCONNELL3 | 8 FOREST GLEN CIRCLE APARTMENT 16 MIDDLETOWN, CT 06457 | CONTINENTAL AMERICAN INSURANCE COMPANY | $445 | — | $445 | 0.33% |
| TERRY K ALLEN3 | PO BOX 13406 SPOKANE, WA 99213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $327 | — | $327 | 0.24% |
| DENISE POIRIER3 Filed as: DENISE C POIRIER | 41 BENZ STREET ANSONIA, CT 06401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 0.13% |
| JOHANN S SCRIMSHIRE3 | 125 SOUTH MAIN STREET SUITE 405 SEBASTOPOL, CA 95472 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.13% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | — | $142 | 0.11% |
| JOHANN S SCRIMSHIRE3 | 125 SOUTH MAIN STREET SUITE 405 SEBASTOPOL, CA 95472 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 0.09% |
| FRANK GREGORY PUTNEY3 Filed as: FRANK G PUTNEY | 11 BALAUREL DRIVE GUILFORD, CT 06437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.07% |
| DEAN F SHIPMAN3 | 13600 OWEN ROAD BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.07% |
| JUSTIN M BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 0.06% |
| KENNETH C GRAVELINE3 | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.05% |
| KAREN BUCK3 Filed as: KAREN E BUCK | 71 DEEPWOOD DRIVE MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.04% |
| DEAN F SHIPMAN3 | 13600 OWEN ROAD BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.04% |
| HEIDI A HERDMAN3 | 150A ANDOVER STREET DANERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.04% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.03% |
| HEIDI A HERDMAN3 | 150A ANDOVER STREET DANERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.03% |
| JEANNETTE A COLE3 | 23 CLIFF STREET EAST HAVEN, CT 06512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.03% |
| RONDA S MATHEW3 | 323 CLAY STREET NEVADA CITY, CA 95959 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.02% |
| THOMAS P MCKIERNAN3 | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.02% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.02% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| JAIME PUERTA3 | 28443 SANTA CATARINA ROAD SANTA CLARITA, CA 91350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| KENNETH C GRAVELINE3 | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| ZACK PLOTZKER3 | 8759 CASHIO STREET LOS ANGELES, CA 90035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| JAIME PUERTA3 | 28443 SANTA CATARINA ROAD SANTA CLARITA, CA 91350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| MARIA C CUNHA3 | 150A ANDOVER STREET SUITE 12C GROVELAND, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| ZACK PLOTZKER3 | 8759 CASHIO STREET LOS ANGELES, CA 90035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 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% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVENUE INTERLAKE N, NJ 07712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| GEORGE E ARBID3 | 25728 LEWIS WAY STEVENSON RANCH, CA 91381 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| LISA M HALL3 | 2542 EAST SUNDOWN DRIVE COEUR DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| DANIEL J BAKLEY3 | 600 COLLEGE AVENUE UNIT B SANTA ROSA, CA 95404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SAHAR QABAZARD3 | 18121 CALIFORNIA COURT SONOMA, CA 95476 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY M MESSENGER | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JUSTIN M BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| NICHOLAS J CIANCI3 | 21 MEADOW WOOD DRIVE SUFFIELD, CT 06078 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.67% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 60 | $460K |
| Dental(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 509 | $253K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 509 | $118K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 509 | $118K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 0 | $190K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.