| 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 | $60K | — | $60K | 2.99% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.98% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP DRIVE, SUITE 201 FARMINGTON, CT 06032 | AETNA LIFE INSURANCE COMPANY | — | $253 | $253 | 0.29% |
| JOHN BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $1K | — | $1K | 4.28% |
| MICHAEL LANGDON3 | PO BOX 783 FARMINGTON, CT 06034 | AFLAC | $769 | — | $769 | 2.27% |
| TRECIA BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $551 | — | $551 | 1.62% |
| NATALIE D RYAN3 Filed as: NATALIE RYAN | 5 MASON PRATT DRIVE, SUITE 303 CONCORD, MA 01742 | AFLAC | $478 | — | $478 | 1.41% |
| MJ INSURANCE3 Filed as: SCOTT GAGE AND VARIOUS AGENTS | PO BOX 1 BOUCKVILLE, NY 13310 | AFLAC | $446 | — | $446 | 1.31% |
| TIWAN L. BARNES3 Filed as: TIWAN BARNES | 41 ADAM DRIVE NEWINGTON, CT 06111 | AFLAC | $305 | — | $305 | 0.90% |
| LOUIS FAIOLA3 | 12 HAAWK COURT DELMAR, NY 12054 | AFLAC | $167 | — | $167 | 0.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $833 | — | $833 | 6.76% |
| JOHN BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $139 | — | $139 | 5.54% |
| TRECIA BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $50 | — | $50 | 1.99% |
| LORRAINE M SANBORN3 Filed as: LORRAINE M. SANBORN | 186 VIRGO DRIVE GROTON, CT 06340 | AFLAC | $39 | — | $39 | 1.55% |
| LOUIS R FAIOLA3 | 12 HAWK COURT DELMAR, NY 12054 | AFLAC | $25 | — | $25 | 1.00% |
| MICHAEL LANGDON3 | PO BOX 783 FARMINGTON, CT 06034 | AFLAC | $18 | — | $18 | 0.72% |
| LOUIS CURTO3 | 3185 BOSTON ROAD WILBRAHAM, MA 01095 | AFLAC | $3 | — | $3 | 0.12% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 294 | $2.2M |
| Vision | VISION SERVICE PLAN | 102 | $12K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 350 | $88K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 350 | $88K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 294 | $2.2M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 350 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.