| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $0 | $41K | $41K | 4.13% |
| KENNETH GRAVELINE3 Filed as: KENNETH GRAVELINE AND OTHER AGENTS | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $4K | $126 | $4K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 306 SADDLE BROOK, NJ 07663 | AFLAC | $4K | $0 | $4K | 4.02% |
| THOMAS MCKIERNAN3 | 6895 EAST CAMELBACK ROAD, SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $3K | $141 | $3K | 3.13% |
| JEANNETTE A COLE3 Filed as: JEANNETTE COLE | 185 PLAINS ROAD, SUITE 108E MILFORD, CT 06461 | AFLAC | $2K | $373 | $3K | 2.99% |
| FILIPE COELHO3 | 4616 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $2K | $75 | $2K | 2.32% |
| DENISE POIRIER3 | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $847 | $272 | $1K | 1.21% |
| SHAVONNE D JOHNSON3 Filed as: SHAVONNE JOHNSON | 21 ELM STREET EAST HAVEN, CT 06512 | AFLAC | $879 | $0 | $879 | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 344 WEST MAIN STREET MILFORD, CT 06460 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $448 | $2K | 8.40% |
| MJ INSURANCE3 Filed as: JEFFRY COLEMAN AND VARIOUS AGENTS | 80 OLD TOWN FARM ROAD WOODBURY, CT 06798 | AFLAC | $190 | $0 | $190 | 3.77% |
| FILIPE COELHO3 | 2155 WEST PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $104 | $0 | $104 | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | AFLAC | $77 | $0 | $77 | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 306 SADDLE BROOK, NJ 07663 | AFLAC | $64 | $0 | $64 | 1.27% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD, SUITE 6 AND 7 ORANGE, CT 06477 | AFLAC | $62 | $0 | $62 | 1.23% |
| FRANK H OTTENS SR3 Filed as: FRANK OTTENS | 17 KNIGHT LANE WEST HAVEN, CT 06516 | AFLAC | $53 | $0 | $53 | 1.05% |
| JEANNETTE A COLE3 Filed as: JEANNETTE COLE | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $28 | $0 | $28 | 0.56% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 201 | $995K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 168 | $115K |
| Short-term disability | AFLAC | 117 | $92K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 201 | $995K |
| Other(3 contracts, 2 carriers) | AFLAC | 168 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.