| 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 | $66K | $0 | $66K | 2.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.94% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $0 | $273 | $273 | 0.27% |
| JOHN BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $700 | $0 | $700 | 4.36% |
| MICHAEL LANGDON3 | PO BOX 783 FARMINGTON, CT 06034 | AFLAC | $367 | $0 | $367 | 2.29% |
| TRECIA BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $261 | $0 | $261 | 1.63% |
| NATALIE D RYAN3 Filed as: NATALIE RYAN | 2038 LAKE MURRAY BOULEVARD APARTMENT 4304 COLUMBIA, SC 29212 | AFLAC | $222 | $0 | $222 | 1.38% |
| MJ INSURANCE3 Filed as: SCOTT GAGE AND VARIOUS AGENTS | PO BOX 1 BOUCKVILLE, NY 13310 | AFLAC | $199 | $0 | $199 | 1.24% |
| TIWAN L. BARNES3 Filed as: TIWAN BARNES | 41 ADAM DRIVE NEWINGTON, CT 06111 | AFLAC | $104 | $0 | $104 | 0.65% |
| LOUIS FAIOLA3 | 12 HAAWK COURT DELMAR, NY 12054 | AFLAC | $81 | $0 | $81 | 0.50% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $935 | $0 | $935 | 6.16% |
| JOHN BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $64 | $0 | $64 | 5.54% |
| TRECIA BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $23 | $0 | $23 | 1.99% |
| LORRAINE M SANBORN3 Filed as: LORRAINE SANBORN | 186 VIRGO DRIVE GROTON, CT 06340 | AFLAC | $16 | $0 | $16 | 1.39% |
| LOUIS R FAIOLA3 Filed as: LOUIS R. FAIOLA | 12 HAAWK COURT DELMAR, NY 12054 | AFLAC | $12 | $0 | $12 | 1.04% |
| MICHAEL LANGDON3 | PO BOX 783 FARMINGTON, CT 06034 | AFLAC | $9 | $0 | $9 | 0.78% |
| LOUIS CURTO3 | 3185 BOSTON ROAD WILBRAHAM, MA 01095 | AFLAC | $2 | $0 | $2 | 0.17% |
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 | 207 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 319 | $2.4M |
| Vision | VISION SERVICE PLAN | 117 | $15K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 400 | $102K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 400 | $102K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 319 | $2.4M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 400 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.