| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 306 SADDLE BROOK, NJ 07663 | AFLAC | $4K | $0 | $4K | 5.18% |
| MJ INSURANCE3 Filed as: DENISE C POIRIER AND VARIOUS AGENTS | 116 WEST WALK WEST HAVEN, CT 06516 | AFLAC | $3K | $116 | $3K | 4.36% |
| JEANNETTE A COLE3 Filed as: JEANNETTE A. COLE | 185 PLAINS ROAD, SUITE 108E MILFORD, CT 06461 | AFLAC | $1K | $44 | $1K | 1.86% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | AFLAC | $1K | $0 | $1K | 1.38% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $930 | $0 | $930 | 1.18% |
| KENNETH C GRAVELINE3 Filed as: KENNETH C. GRAVELINE | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $486 | $9 | $495 | 0.63% |
| KATHRYN P BAKER3 Filed as: KATHRYN P. BAKER | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $345 | $0 | $345 | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1 EXECUTIVE DRIVE, SUITE 300 SOMERSET, NJ 08873 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.02% |
| F. HILLS GROUP SVS. & OTHER AGENTS3 | 200 BROADHOLLOW ROAD, SUITE 405 MELVILLE, NY 11747 | AFLAC | $114 | $0 | $114 | 3.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | AFLAC | $68 | $0 | $68 | 1.86% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $64 | $0 | $64 | 1.75% |
| FRANK H OTTENS SR3 Filed as: FRANK H. OTTENS | 17 KNIGHT LAVNE WEST HAVEN, CT 06516 | AFLAC | $63 | $0 | $63 | 1.72% |
| THOMAS MCKIERNAN3 | 6895 EAST CAMELBACK ROAD, SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $40 | $0 | $40 | 1.09% |
| COURTENAY LEE AMERLING3 | 26 THE TER KATONAH, NY 10536 | AFLAC | $26 | $0 | $26 | 0.71% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $23 | $0 | $23 | 0.63% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AFLAC | 141 | $107K |
| Short-term disability | AFLAC | 91 | $79K |
| Other(3 contracts, 2 carriers) | AFLAC | 141 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.