| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERALD A. RAFANIELLO3 Filed as: JERALD A RAFANIELLO | 103 WINDHAM ROAD BRISTOL, CT 06010 | AFLAC | $8K | $702 | $9K | 3.82% |
| JOHN W BRADY3 Filed as: JOHN W. BRADY | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AFLAC | $8K | $281 | $8K | 3.57% |
| TRECIA J BRADY3 | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AFLAC | $3K | $129 | $3K | 1.42% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C.M. SMITH AGENCY | 100 PEARL STREET THIRD FLOOR - WEST TOWER HARTFORD, CT 06103 | AFLAC | $3K | — | $3K | 1.12% |
| JOHN S BRADY3 | 67 WHITNEY STREET EAST HARTFORD, CT 06118 | AFLAC | $2K | — | $2K | 1.06% |
| STEVEN D MARTIN3 | 58 TIMBER LANE WILLINGTON, CT 06279 | AFLAC | $1K | $140 | $1K | 0.63% |
| THOMAS P MCKIERNAN3 | 109 BOSTON POST RD SUITE 6-7 ORANGE, CT 06477 | AFLAC | $1K | $68 | $1K | 0.54% |
| HORACIO J. CABRAL3 Filed as: HORACIO J CABRAL | 63 NORWICH AVE SUITE 202 COLCHESTER, CT 06415 | AFLAC | $1K | — | $1K | 0.50% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 1 GOODWIN SQUARE HARTFORD, CT 06103 | AFLAC | $1K | — | $1K | 0.47% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS RD SUITE 200E MILFORD, CT 06461 | AFLAC | $382 | $197 | $579 | 0.25% |
| LOUIS R FAIOLA3 Filed as: LOUIS R. FAIOLA | 19 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $545 | — | $545 | 0.23% |
| MICHAEL T REYES3 Filed as: MICHAEL K BROOKS | 190 STILL HILL RD HAMDEN, CT 06518 | AFLAC | $489 | — | $489 | 0.21% |
| NATALIE D RYAN3 | 10407 US HIGHWAY 31 APT 631 SPANISH FORT, AL 36527 | AFLAC | $447 | — | $447 | 0.19% |
| MG BERGER INC3 | 1020 N. DELAWARE AVE. 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $380 | — | $380 | 0.16% |
| ALONZO L EDWARDS3 | 2390 STATE STREET HOUSE #13 HAMDEN, CT 06517 | AFLAC | $295 | $56 | $351 | 0.15% |
| JOSE A SCHIENEMAN3 | 1020 N. DELAWARE AVE 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $325 | — | $325 | 0.14% |
| MICHAEL USIAK3 | 24323 TOWN WALK DRIVE HAMDEN, CT 06518 | AFLAC | $305 | — | $305 | 0.13% |
| CHRISTOPHER J. MONROE3 Filed as: CHRISTOPHER J MONROE | 207 PITKIN STREET EAST HARTFORD, CT 06108 | AFLAC | $285 | — | $285 | 0.12% |
| SCOTT W GAGE3 | PO BOX 1286 WEST SPRINGFIELD, MA 01090 | AFLAC | $280 | — | $280 | 0.12% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 535 CONNECTICUT AVE. STE 103 NORWALK, CT 06854 | AFLAC | $268 | — | $268 | 0.11% |
| JOHN BRADY3 | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AFLAC | $213 | — | $213 | 0.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 207 PITKIN ST EAST HARTFORD, CT 06108 | AFLAC | $170 | — | $170 | 0.07% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $160 | — | $160 | 0.07% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 100 MOTOR PKWY SUITE 110 PO BOX 12188 HAUPPAUGE, NY 11788 | AFLAC | $100 | — | $100 | 0.04% |
| TRECIA J BRADY3 | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AFLAC | $92 | — | $92 | 0.04% |
| FRED A LUCIANO JR3 Filed as: FRED A. LUCIANO JR | 23 SPRING VALLEY RD WOODBRIDGE, CT 06525 | AFLAC | $62 | — | $62 | 0.03% |
| ROBERT P ALWARD3 | 219 DAY STREET GRANBY, CT 06035 | AFLAC | $55 | — | $55 | 0.02% |
| JOHN S BRADY3 Filed as: JOHN S. BRADY | 67 WHITNEY STREET EAST HARTFORD, CT 06118 | AFLAC | $53 | — | $53 | 0.02% |
| BRIDGET A MORRISSEY3 | 113 LOWER BLVD NEW LONDON, CT 06320 | AFLAC | $46 | — | $46 | 0.02% |
| THOMAS P JEFFERY III3 | 15 WOODWARD RD COLUMBIA, CT 06237 | AFLAC | $30 | — | $30 | 0.01% |
| JUDITH M BARRY3 | 1 MICHAEL DRIVE EAST HAMPTON, CT 06424 | AFLAC | $29 | — | $29 | 0.01% |
| THOMAS BURKE3 | 12 WHISPERING ROD ROAD UNIONVILLE, CT 06085 | AFLAC | $26 | — | $26 | 0.01% |
| JOHN RATLIFF3 | 100 EDGEWOOD PLACE DICKSON, TN 37055 | AFLAC | $23 | — | $23 | 0.01% |
| LOUIS R FAIOLA3 Filed as: LOUIS R. FAIOLA | 19 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $20 | — | $20 | 0.01% |
| TODD P SIMON3 | 85 FALMOUTH ROAD WEST SPRINGFIELD, MA 01089 | AFLAC | $20 | — | $20 | 0.01% |
| BARBARA SAXTON3 | 63 NORWICH AVENUE STE 202 COLCHESTER, CT 06415 | AFLAC | $20 | — | $20 | 0.01% |
| MICHAEL LANGDON3 | PO BOX 783 FARMINGTON, CT 06034 | AFLAC | $19 | — | $19 | 0.01% |
| LORRAINE M SANBORN3 | 186 VIRGO DR GROTON, CT 06340 | AFLAC | $15 | — | $15 | 0.01% |
| SUSAN O BAGDONIS3 | 29 KELLOGG RD MARLBOROUGH, CT 06447 | AFLAC | $13 | — | $13 | 0.01% |
| DONALD ROSS3 | 155 WINDERMERE AVE. UNIT 507 ELLINGTON, CT 06029 | AFLAC | $12 | — | $12 | 0.01% |
| KEITH R BRICK3 Filed as: KEITH R. BRICK | 6239 GOODWIN DR COLUMBUS, GA 31909 | AFLAC | $6 | — | $6 | 0.00% |
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 | 343 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 343 | $235K |
| Other | AFLAC | 343 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.