| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | OXFORD HEALTH INSURANCE, INC. | $10K | — | $10K | 6.25% |
| JOHN BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $1K | — | $1K | 4.26% |
| MICHAEL LANGDON3 | PO BOX 783 FARMINGTON, CT 06034 | AFLAC | $696 | — | $696 | 2.19% |
| TRECIA J BRADY3 Filed as: TRECIA J. BRADY | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $515 | — | $515 | 1.62% |
| NATALIE D RYAN3 Filed as: NATALIE D. RYAN | 3513 SHADOWWOOD COURT MOBILE, AL 36693 | AFLAC | $445 | — | $445 | 1.40% |
| MJ INSURANCE3 Filed as: SCOTT W. GAGE AND VARIOUS AGENTS | PO BOX 1286 WEST SPRINGFIELD, MA 01090 | AFLAC | $395 | $4 | $399 | 1.26% |
| TIWAN L. BARNES3 | 41 ADAM DRIVE NEWINGTON, CT 06111 | AFLAC | $320 | $6 | $326 | 1.03% |
| LOUIS R FAIOLA3 Filed as: LOUIS R. FAIOLA | 12 HAAWK COURT DELMAR, NY 12054 | AFLAC | $157 | — | $157 | 0.49% |
| JOHN BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $160 | — | $160 | 5.55% |
| TRECIA BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $57 | — | $57 | 1.98% |
| LORRAINE M SANBORN3 Filed as: LORRAINE M. SANBORN | 186 VIRGO DRIVE GROTON, CT 06340 | AFLAC | $43 | — | $43 | 1.49% |
| LOUIS R FAIOLA3 | 12 HAWK COURT DELMAR, NY 12054 | AFLAC | $29 | — | $29 | 1.01% |
| MICHAEL LANGDON3 | PO BOX 783 FARMINGTON, CT 06034 | AFLAC | $19 | — | $19 | 0.66% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $36 | — | $36 | 3.60% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 276 | $275K |
| Vision | VISION SERVICE PLAN | 98 | $1K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $0 |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $0 |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 276 | $275K |
| Other(4 contracts, 3 carriers) | AFLAC | 225 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.