| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVENUE MERIDEN, CT 06450 | AETNA LIFE INSURANCE COMPANY | $4K | $28K | $32K | 1.18% |
| ANDREWS BENEFITS3 Filed as: ANDREWS AGENCY | PO BOX 466 FARMINGTON, CT 06034 | AETNA LIFE INSURANCE COMPANY | $4K | $27K | $31K | 1.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE COMPANY | $2K | $28K | $30K | 1.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVENUE MERIDEN, CT 06450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.95% |
| CHRISTINE ANDREWS3 | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $117 | — | $117 | 5.33% |
| CHRISTINE ANDREWS3 | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | EYEMED VISION CARE | $76 | — | $76 | 3.46% |
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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 460 | $2.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 460 | $2.7M |
| Vision | EYEMED VISION CARE | 434 | $2K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 460 | $2.7M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1 | $51K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1 | $51K |
| Other | AETNA LIFE INSURANCE COMPANY | 460 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.