| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 4.98% |
| HEATHER ANNE SMITH3 | 196 STONY HILL RD WILBRAHAM, MA 01095 | AFLAC | $1K | $158 | $1K | 3.74% |
| WILLIAM THOMAS FARRELL3 | 36 MILLBROOK DR EAST LONGMEADOW, MA 01028 | AFLAC | $575 | $0 | $575 | 1.50% |
| LISA M FULLER3 | 16 JADE HILL RD AUBURN, MA 01501 | AFLAC | $236 | $0 | $236 | 0.62% |
| FLOYD AMIDON3 | 160 BENMONT AVE SUITE 203 BENNINGTON, VT 05201 | AFLAC | $193 | $17 | $210 | 0.55% |
| LAURA M ROUTHIER3 | 2 SCHUMIKOWSKI STREET EASTHAMPTON, MA 01027 | AFLAC | $207 | $0 | $207 | 0.54% |
| MICHAEL J LAMOUREUX3 | 425 UNION STREET SUITE 16 WEST SPRINGFIELD, MA 01089 | AFLAC | $153 | $0 | $153 | 0.40% |
| THOMAS M MCGREEVY3 | 18002 RICHMOND PLACE DR APT 3424 TAMPA, FL 33647 | AFLAC | $120 | $9 | $129 | 0.34% |
| KAREN TUCCI3 | 73 STETSON DR MARLBOROUGH, MA 01752 | AFLAC | $103 | $0 | $103 | 0.27% |
| JAMES SCHWARTZ3 | 147 PASCO RD INDIAN ORCHARD, MA 01151 | AFLAC | $87 | $0 | $87 | 0.23% |
| THOMAS E ACKERMAN II3 | 30 WHEELER RD RUTLAND, MA 01543 | AFLAC | $59 | $0 | $59 | 0.15% |
| WILLIAM THOMAS FARRELL3 | 425 UNION ST FL C WEST SPRINGFIELD, MA 01089 | AFLAC | $54 | $0 | $54 | 0.14% |
| MELTON & ASSOCIATES INC3 Filed as: MELTON & ASSOCIATES INC. | PO BOX 13877 MEXICO BEACH, FL 33410 | AFLAC | $46 | $0 | $46 | 0.12% |
| KLINGAMAN & ASSOCIATES, INC.3 Filed as: KLINGAMAN & ASSOCIATES INC. | 131 COAL KILN RD PRINCETON, MA 01541 | AFLAC | $40 | $0 | $40 | 0.10% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $32 | $0 | $32 | 0.08% |
| WEX INC3 Filed as: WEX INC. | 11 STOCKDALE RD NEEDHAM, MA 02492 | AFLAC | $28 | $0 | $28 | 0.07% |
| DOUGLAS M THAYER3 | 30 MEADOWBROOK LN WESTFIELD, MA 01085 | AFLAC | $26 | $0 | $26 | 0.07% |
| ALBERT A HELIE3 | 53 BOSSE AVE MANCHESTER, NH 03103 | AFLAC | $25 | $0 | $25 | 0.07% |
| TAY KRAUSE3 Filed as: TAY W KRAUSE | 8 MERRY HILL RD NOTTINGHAM, NH 03290 | AFLAC | $22 | $0 | $22 | 0.06% |
| NEW HAMPSHIRE BANKERS SERVICES3 Filed as: NEW HAMPSHIRE BANKERS SERVICES LLC | PO BOX 2586 CONCORD, NH 03302 | AFLAC | $17 | $0 | $17 | 0.04% |
| MAUREEN E SNOW3 | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $15 | $0 | $15 | 0.04% |
| SUSAN C BRIMHALL3 | PO BOX 13877 MEXICO BEACH, FL 33410 | AFLAC | $13 | $0 | $13 | 0.03% |
| JONATHAN BURGESS3 Filed as: JONATHAN E BURGESS | 434 DONALD STREET BEDFORD, NH 03110 | AFLAC | $12 | $0 | $12 | 0.03% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $11 | $0 | $11 | 0.03% |
| JOEL PITT3 | 13 ACADEMY LN APT A DEERFIELD, MA 01342 | AFLAC | $8 | $0 | $8 | 0.02% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DR BENNINGTON, VT 05201 | AFLAC | $7 | $0 | $7 | 0.02% |
| JOSEPH BERGER3 | 56 MERCURY CT APT R2 WEST SPRINGFIELD, MA 01089 | AFLAC | $6 | $0 | $6 | 0.02% |
| 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 | 0.01% |
| MARAGARET E LOCHNER3 | 365 WALLOOMSAC RD BENNINGTON, VT 05201 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL J LAMOUREUX3 | 425 UNION ST SUITE 16 WEST SPRINGFIELD, MA 01089 | AFLAC | $1 | $0 | $1 | 0.00% |
| VANESSA LONG3 | 290 PUTNEY MOUNTAIN RD PUTNEY, VT 05346 | AFLAC | $1 | $0 | $1 | 0.00% |
| STONYBROOK FINANCIAL SERVICES3 Filed as: STONYBROOK ADVISORS INC. | PO BOX 1 ST. JOHNSBURY, VT 05819 | 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 | $0 | $3K | 13.42% |
| 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 | $0 | $1K | 10.00% |
| 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 | $2K | $0 | $2K | 15.00% |
| 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 | $676 | $0 | $676 | 10.00% |
| MILLBROOK BENEFITS & INS. SVCS. LLC3 Filed as: MILLBROOK BENEFITS & INS. SVCS. | 270 BENTON DRIVE EAST LONGMEADOW, MA 01028 | HARTFORD LIFE AND ACCIDENT | $113 | $8 | $121 | 16.13% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $22K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 111 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $22K |
| Other(4 contracts, 3 carriers) | AFLAC | 115 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.