| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $23K | — | $23K | 2.99% |
| JERALD A. RAFANIELLO3 Filed as: JERALD A RAFFANIELLO | 103 WINDHAM ROAD BRISTOL, CT 06010 | AFLAC | $11K | $194 | $12K | 6.92% |
| JOHN W BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $3K | — | $3K | 2.07% |
| STEVEN D MARTIN3 Filed as: STEVEN MARTIN | 58 TIMBER LANE WILLINGTON, CT 06279 | AFLAC | $3K | $39 | $3K | 1.70% |
| TRECIA J BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $2K | — | $2K | 1.03% |
| FRED A LUCIANO JR3 | 23 SPRING VALLEY ROAD WOODBRIDGE, CT 06525 | AFLAC | $2K | $39 | $2K | 0.94% |
| JOHN S BRADY3 | 19 BRADFORD CIRCLE MARLBOROUGH, MA 01752 | AFLAC | $1K | — | $1K | 0.86% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY | 100 PEARL STREET 3RD FLOOR, WEST TOWER HARTFORD, CA 06103 | AFLAC | $1K | — | $1K | 0.83% |
| HORACIO J. CABRAL3 Filed as: HORACIO J CABRAL | 1516 NEW LONDON TPKE GLASTONBURY, CT 06033 | AFLAC | $764 | — | $764 | 0.46% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 755 MAIN STREET HARTFORD, CT 06103 | AFLAC | $699 | — | $699 | 0.42% |
| NATALIE D RYAN3 | 3513 SHADOWWOOD COURT MOBILE, AL 36693 | AFLAC | $373 | — | $373 | 0.22% |
| LOUIS R FAIOLA3 | 12 HAAWK COURT DELMAR, NY 12054 | AFLAC | $329 | — | $329 | 0.20% |
| THOMAS P MCKIERNAN3 | 109 BOSTON POST ROAD SUITE 6-7 ORANGE, CT 06477 | AFLAC | $296 | — | $296 | 0.18% |
| MICHAEL T REYES3 Filed as: MICHAEL K BROOKS | 190 STILL HILL ROAD HAMDEN, CT 06518 | AFLAC | $260 | — | $260 | 0.15% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD WAYNE, NJ 07470 | AFLAC | $219 | — | $219 | 0.13% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $180 | — | $180 | 0.11% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $176 | — | $176 | 0.10% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $171 | — | $171 | 0.10% |
| SCOTT W GAGE3 | PO BOX 1 BOUCKVILLE, NY 13310 | AFLAC | $165 | — | $165 | 0.10% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 535 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $161 | — | $161 | 0.10% |
| ALONZO L EDWARDS3 | 2390 STATE STREET HOUSE 13 HAMDEN, CT 06517 | AFLAC | $133 | — | $133 | 0.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 207 PITKIN STREET EAST HARTFORD, CT 06108 | AFLAC | $132 | — | $132 | 0.08% |
| JOHN K SCHULE3 | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $123 | — | $123 | 0.07% |
| CHRISTOPHER S AUSTERMANN3 | 100 MILL PLAIN ROAD SUITE 322 DANBURY, CT 06811 | AFLAC | $109 | — | $109 | 0.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 530 PRESTON AVENUE PO BOX 1040 MERIDIEN, CT 06450 | AFLAC | $100 | — | $100 | 0.06% |
| ROBERT JAMES LAMB3 | 181 DEEPWOOD DRIVE GUILFORD, CT 06461 | AFLAC | $92 | — | $92 | 0.05% |
| MICHAEL LANGDON3 | PO BOX 783 FARMINGTON, CT 06034 | AFLAC | $24 | — | $24 | 0.01% |
| JUDITH M BARRY3 | 1 MICHAEL DRIVE EAST HAMPTON, CT 06424 | AFLAC | $23 | — | $23 | 0.01% |
| CHRISTIAL PAUL VIRZI3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $17 | — | $17 | 0.01% |
| LOUIS C CURTO3 | 19 SUTTON PLACE APT 3 AGAWAM, MA 01001 | AFLAC | $4 | — | $4 | 0.00% |
| GEORGE J MCDONALD3 | 106 EASTBURY HILL ROAD GLASTONBURY, CT 06033 | AFLAC | $2 | — | $2 | 0.00% |
| BARBARA SAXTON3 | 19634 TESORO WAY ESTERO, FL 33967 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN RATLIFF3 | 100 EDGEWOOD PLACE DICKSON, TN 37055 | AFLAC | $1 | — | $1 | 0.00% |
| SUSAN O BAGDONIS3 | 29 KELLOGG ROAD MARLBOROUGH, CT 06447 | AFLAC | $1 | — | $1 | 0.00% |
| KEITH R BRICK3 | 6239 GOODWIN DRIVE COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | — | $2K | 3.09% |
| JOHN BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06547 | AFLAC | $60 | — | $60 | 2.76% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 100 MOTOR PARKWAY, SUITE 110 PO BOX 12188 HAUPPAUGE, NE 11788 | AFLAC | $40 | — | $40 | 1.84% |
| TRECIA BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $37 | — | $37 | 1.70% |
| BRIDGET A MORRISSEY3 | 341 SHEWVILLE ROAD LEDYARD, CT 06339 | AFLAC | $26 | — | $26 | 1.20% |
| JOHN S BRADY3 | 19 BRADFORD CIRCLE MARLBOROUGH, MA 01752 | AFLAC | $25 | — | $25 | 1.15% |
| LORRAINE M SANBORN3 | 186 VIRGO DRIVE GROTON, CA 06340 | AFLAC | $13 | — | $13 | 0.60% |
| TODD P SIMON3 | 85 FALMOUTH ROAD WEST SPRINGFIELD, MA 01089 | AFLAC | $9 | — | $9 | 0.41% |
| LOUIS R FAIOLA3 | 12 HAAWK COURT DELMAR, NY 12054 | AFLAC | $6 | — | $6 | 0.28% |
| THOMAS E LEONARD JR3 Filed as: THOMAS BURKE | 12 WHISPERING ROD ROAD UNIONVILLE, CT 06085 | AFLAC | $4 | — | $4 | 0.18% |
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 | 1,212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 523 | $69K |
| Life insurance | AETNA LIFE INSURANCE CO. | 903 | $763K |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 903 | $933K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 903 | $763K |
| Other | AETNA LIFE INSURANCE CO. | 903 | $763K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.