| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERALD A. RAFANIELLO3 Filed as: JERALD A RAFANIELLO | 103 WINDHAM ROAD BRISTOL, CT 06010 | AFLAC | $11K | $643 | $11K | 4.54% |
| JOHN W BRADY3 | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AFLAC | $6K | — | $6K | 2.44% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY | 100 PEARL STREET THIRD FLOOR WEST TOWER HARTFORD, CT 06103 | AFLAC | $4K | — | $4K | 1.44% |
| TRECIA J BRADY3 | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AFLAC | $3K | — | $3K | 1.22% |
| STEVEN D MARTIN3 | 58 TIMBER LANE WILLINGTON, CT 06279 | AFLAC | $3K | $129 | $3K | 1.09% |
| JOHN S BRADY3 | 67 WHITNEY ST EAST HARTFORD, CT 06118 | AFLAC | $2K | — | $2K | 0.97% |
| FRED A LUCIANO JR3 | 23 SPRING VALLEY RD WOODBRIDGE, CT 06525 | AFLAC | $1K | — | $1K | 0.49% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 755 MAIN ST HARTFORD, CT 06103 | AFLAC | $1K | — | $1K | 0.45% |
| HORACIO J. CABRAL3 Filed as: HORACIO J CABRAL | 1516 NEW LONDON TPKE GLASTONBURY, CT 06033 | AFLAC | $831 | — | $831 | 0.33% |
| THOMAS P MCKIERNAN3 | 109 BOSTON POST RD SUITE 6-7 ORANGE, CT 06477 | AFLAC | $609 | $129 | $738 | 0.30% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $539 | — | $539 | 0.22% |
| MICHAEL T REYES3 Filed as: MICHAEL K BROOKS | 190 STILL HILL RD HAMDEN, CT 06518 | AFLAC | $452 | — | $452 | 0.18% |
| NATALIE D RYAN3 | 5 MASON PRATT DR UNIT 303 CONCORD, MA 01742 | AFLAC | $440 | — | $440 | 0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 207 PITKIN ST EAST HARTFORD, CT 06108 | AFLAC | $415 | — | $415 | 0.17% |
| HORACIO J. CABRAL3 Filed as: HORACIO J CABRAL | 30 LELAND DR MANCHESTER, CT 06040 | AFLAC | $387 | — | $387 | 0.16% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD WAYNE, NJ 07470 | AFLAC | $332 | — | $332 | 0.13% |
| JOSE A SCHIENEMAN3 | 1020 N DELAWARE AVE 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $331 | — | $331 | 0.13% |
| MICHAEL T REYES3 | 185 PLAINS RD SUITE 200E MILFORD, CT 06461 | AFLAC | $316 | — | $316 | 0.13% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS RD MADISON, CT 06443 | AFLAC | $288 | — | $288 | 0.12% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 535 CONNECTICUT AVE SUITE 103 NORWALK, CT 06854 | AFLAC | $273 | — | $273 | 0.11% |
| SCOTT W GAGE3 | PO BOX 1 BOUCKVILLE, NY 13310 | AFLAC | $258 | — | $258 | 0.10% |
| ALONZO L EDWARDS3 | 2390 STATE ST HOUSE 13 HAMDEN, CT 06517 | AFLAC | $247 | — | $247 | 0.10% |
| NATALIE D RYAN3 | 3513 SHADOWWOOD CT MOBILE, AL 36693 | AFLAC | $40 | — | $40 | 0.02% |
| JOHN K SCHULE3 | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $34 | — | $34 | 0.01% |
| JUDITH M BARRY3 | 1 MICHAEL DRIVE EAST HAMPTON, CT 06424 | AFLAC | $32 | — | $32 | 0.01% |
| MG BERGER INC3 Filed as: MG BERGER | 1020 N DELWARE AVE 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $30 | — | $30 | 0.01% |
| CHRISTOPHER S AUSTERMANN3 | 100 MILL PLAIN RD SUITE 322 DANBURY, CT 06811 | AFLAC | $28 | — | $28 | 0.01% |
| JOHN RATLIFF3 | 100 EDGEWOOD PL DICKSON, TN 37055 | AFLAC | $25 | — | $25 | 0.01% |
| BARBARA SAXTON3 | 63 NORWICH AVE SUITE 202 COLCHESTER, CT 06415 | AFLAC | $24 | — | $24 | 0.01% |
| MICHAEL LANGDON3 | PO BOX 783 FARMINGTON, CT 06034 | AFLAC | $22 | — | $22 | 0.01% |
| ROBERT JAMES LAMB3 | 181 DEEPWOOD DRIVE GUILFORD, CT 06437 | AFLAC | $22 | — | $22 | 0.01% |
| SUSAN O BAGDONIS3 | 29 KELLOGG RD MARLBOROUGH, CT 06447 | AFLAC | $15 | — | $15 | 0.01% |
| KEITH R BRICK3 | 6239 GOODWIN DR COLUMBUS, GA 31909 | AFLAC | $7 | — | $7 | 0.00% |
| CHRISTIAN PAUL VIRZI3 | 185 PLAINS RD SUITE 200E MILFORD, CT 06461 | AFLAC | $6 | — | $6 | 0.00% |
| LOUIS C CURTO3 | 77 HOPE FARMS DR FEEDING HILLS, MA 01030 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN BRADY3 | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AFLAC | $179 | — | $179 | 3.44% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 100 MOTOR PKWY, SUITE 110 PO BOX 12188 HAUPPAUGE, NY 11788 | AFLAC | $93 | — | $93 | 1.79% |
| TRECIA BRADY3 | 71 NUTMEG CT MIDDLETOWN, CT 06547 | AFLAC | $85 | — | $85 | 1.64% |
| JOHN S BRADY3 | 67 WHITNEY ST EAST HARTFORD, CT 06118 | AFLAC | $64 | — | $64 | 1.23% |
| BRIDGET A MORRISSEY3 | 341 SHEWVILLE RD LEDYARD, CT 06339 | AFLAC | $32 | — | $32 | 0.62% |
| THOMAS E LEONARD JR3 Filed as: THOMAS BURKE | 12 WHISPERING ROD RD UNIONVILLE, CT 06085 | AFLAC | $30 | — | $30 | 0.58% |
| TODD P SIMON3 | 85 FALMOUTH RD WEST SPRINGFIELD, MA 01089 | AFLAC | $22 | — | $22 | 0.42% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $20 | — | $20 | 0.38% |
| LORRAINE M SANBORN3 | 186 VIRGO DR GROTON, CT 06340 | AFLAC | $15 | — | $15 | 0.29% |
| DONALD ROSS3 | 155 WINDERMERE AVE UNIT 507 ELLINGTON, CT 06029 | AFLAC | $12 | — | $12 | 0.23% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(2 contracts) | AFLAC | 328 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.