| 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 | AFLAC | $4K | $0 | $4K | 5.10% |
| KENNETH GRAVELINE3 Filed as: KENNETH C. GRAVELINE & OTHER AGENTS | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $4K | $243 | $4K | 4.75% |
| JEANNETTE A COLE3 Filed as: JEANNETTE A. COLE | 185 PLAINS ROAD, SUITE 108E MILFORD, CT 06461 | AFLAC | $2K | $190 | $2K | 2.02% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $1K | $67 | $1K | 1.50% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 7025 EAST VIA SOLERI DRIVE SUITE 4039 SCOTTSDALE, AZ 85251 | AFLAC | $878 | $77 | $955 | 1.14% |
| DENISE POIRIER3 Filed as: DENISE C. POIRIER | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $580 | $0 | $580 | 0.69% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 6895 EAST CAMELBACK ROAD, SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $529 | $0 | $529 | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 344 WEST MAIN STREET MILFORD, CT 06430 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.08% |
| CHRISTY DAY ASSOCIATES LLC Filed as: CHRISTY DAY ASSOC. AND OTHER AGENTS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $139 | $0 | $139 | 3.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | AFLAC | $99 | $0 | $99 | 2.32% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 2155 WEST PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $78 | $0 | $78 | 1.83% |
| FRANK H OTTENS SR3 Filed as: FRANK H. OTTENS | 17 KNIGHT LANE WEST HAVEN, CT 06516 | AFLAC | $64 | $0 | $64 | 1.50% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD, SUITE 6 ORANGE, CT 06477 | AFLAC | $48 | $0 | $48 | 1.12% |
| JEFFRY COLEMAN3 Filed as: JEFFRY M. COLEMAN | 80 OLD TOWN FARM ROAD WOODBURY, CT 06798 | AFLAC | $26 | $0 | $26 | 0.61% |
| COURTENAY LEE AMERLING3 | 26 THE TER KATONAH, NY 10005 | AFLAC | $26 | $0 | $26 | 0.61% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | 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 |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AFLAC | 152 | $111K |
| Short-term disability | AFLAC | 112 | $84K |
| Other(3 contracts, 2 carriers) | AFLAC | 152 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.