| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEATHER ANNE SMITH3 | 196 STONY HILL RD WILBRAHAM, MA 01095 | AFLAC | $3K | $294 | $4K | 8.77% |
| MILLBROOK BENEFITS & INS. SVCS. LLC3 Filed as: MILLBROOK BENEFITS AND INS SVCS. | 270 BENTON DR SUITE 2 EAST LONGMEADOW, MA 01028 | AFLAC | $2K | $0 | $2K | 3.92% |
| WILLIAM THOMAS FARRELL3 | 425 UNION STREET FL C WEST SPRINGFIELD, MA 01089 | AFLAC | $599 | $0 | $599 | 1.39% |
| THOMAS M MCGREEVY3 | PO BOX 225 POWNAL, VT 05261 | AFLAC | $362 | $27 | $389 | 0.90% |
| LISA M FULLER3 | 16 JADE HILL RD AUBURN, MA 01501 | AFLAC | $280 | $0 | $280 | 0.65% |
| LAURA M ROUTHIER3 | 2 SCHUMIKOWSKI STREET EASTHAMPTON, MA 01027 | AFLAC | $227 | $0 | $227 | 0.53% |
| THOMAS M MCGREEVY3 | 18002 RICHMOND PLACE DR APT 3424 TAMPA, FL 33647 | AFLAC | $180 | $32 | $212 | 0.49% |
| MICHAEL J LAMOUREUX3 | 425 UNION STREET SUITE 16 WEST SPRINGFIELD, MA 01089 | AFLAC | $177 | $0 | $177 | 0.41% |
| WILLIAM THOMAS FARRELL3 | 36 MILLBROOK DR EAST LONGMEADOW, MA 01028 | AFLAC | $141 | $12 | $153 | 0.36% |
| KAREN TUCCI3 | 73 STETSON DR MARLBOROUGH, MA 01752 | AFLAC | $115 | $0 | $115 | 0.27% |
| THOMAS E ACKERMAN II3 | 30 WHEELER RD RUTLAND, MA 01543 | AFLAC | $62 | $0 | $62 | 0.14% |
| FLOYD AMIDON3 | 160 BENMONT AVE SUITE 203 BENNINGTON, VT 05201 | AFLAC | $45 | $0 | $45 | 0.10% |
| MELTON & ASSOCIATES INC3 Filed as: MELTON & ASSOCIATES INC. | PO BOX 336 SUITE 525 SMITHS STATION, AL 36877 | AFLAC | $38 | $0 | $38 | 0.09% |
| ALBERT A HELIE3 | 53 BOSSE AVE MANCHESTER, NH 03103 | AFLAC | $34 | $0 | $34 | 0.08% |
| TAY KRAUSE3 Filed as: TAY W KRAUSE | 8 MERRY HILL RD NOTTINGHAM, NH 03290 | AFLAC | $30 | $0 | $30 | 0.07% |
| DOUGLAS M THAYER3 | 30 MEADOWBROOK LN WESTFIELD, MA 01085 | AFLAC | $26 | $0 | $26 | 0.06% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $24 | $0 | $24 | 0.06% |
| ALLEVIARE LLC3 | PO BOX 2586 15 N MAIN STREET CONCORD, NH 03302 | AFLAC | $22 | $0 | $22 | 0.05% |
| JAMES SCHWARTZ3 | 147 PASCO RD INDIAN ORCHARD, MA 01151 | AFLAC | $17 | $0 | $17 | 0.04% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $17 | $0 | $17 | 0.04% |
| MELTON & ASSOCIATES INC3 Filed as: MELTON & ASSOCIATES INC. | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $16 | $0 | $16 | 0.04% |
| JONATHAN BURGESS3 Filed as: JONATHAN E BURGESS | 434 DONALD STREET BEDFORD, NH 03110 | AFLAC | $16 | $0 | $16 | 0.04% |
| MAUREEN E SNOW3 | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $16 | $0 | $16 | 0.04% |
| RUSSELL T BARRETT3 | 665 SARATOGA RD APT 130 GANSEVOORT, NY 12831 | AFLAC | $14 | $0 | $14 | 0.03% |
| KLINGAMAN & ASSOCIATES, INC.3 Filed as: KLINGAMAN & ASSOCIATES INC | 131 COAL KILN RD PRINCETON, MA 01541 | AFLAC | $7 | $0 | $7 | 0.02% |
| WEX INC3 | 11 STOCKDALE RD NEEDHAM, MA 02492 | AFLAC | $5 | $0 | $5 | 0.01% |
| NATHAN A HUMMER3 | 5 WEBBER RD WESTFORD, MA 01886 | AFLAC | $3 | $0 | $3 | 0.01% |
| COMPREHENSIVE EMPLOYEE BENEFITS INC3 | 8 CHALMERS RD WORCESTER, MA 01602 | AFLAC | $3 | $0 | $3 | 0.01% |
| JILL SCIRPO3 | 6 WILLETT POND RD WESTWOOD, MA 02090 | AFLAC | $2 | $0 | $2 | 0.00% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DR BENNINGTON, VT 05201 | AFLAC | $1 | $0 | $1 | 0.00% |
| MILLBROOK BENEFITS & INS. SVCS. LLC3 Filed as: MILLBROOK BENEFITS & INS. SVCS. | 933 E COLUMBUS AVE SUITE A SPRINGFIELD, MA 01105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $410 | $3K | 15.30% |
| MILLBROOK BENEFITS & INS. SVCS. LLC3 Filed as: MILLBROOK BENEFITS & INS. SVCS. | 933 E COLUMBUS AVE SUITE A SPRINGFIELD, MA 01105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $362 | $3K | 17.44% |
| MILLBROOK BENEFITS & INS. SVCS. LLC3 Filed as: MILLBROOK BENEFITS & INS. SVCS. | 933 E COLUMBUS AVE SUITE A SPRINGFIELD, MA 01105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $290 | $2K | 11.97% |
| MILLBROOK BENEFITS & INS. SVCS. LLC3 Filed as: MILLBROOK BENEFITS & INS. SVCS. | 933 E COLUMBUS AVE SUITE A SPRINGFIELD, MA 01105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $673 | $127 | $800 | 11.89% |
| MILLBROOK BENEFITS & INS. SVCS. LLC3 Filed as: MILLBROOK BENEFITS & INS. SVCS. | 73R MARKET PLACE SPRINGFIELD, MA 01103 | HARTFORD LIFE AND ACCIDENT | $113 | $0 | $113 | 15.07% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $22K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 113 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $22K |
| Other(4 contracts, 3 carriers) | AFLAC | 118 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.