| 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. | $24K | — | $24K | 2.97% |
| JERALD A. RAFANIELLO3 Filed as: JERALD A RAFFANIELLO | 103 WINDHAM ROAD BRISTOL, CT 06010 | AFLAC | $10K | $687 | $10K | 6.12% |
| JOHN W BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $3K | — | $3K | 1.89% |
| FRED A LUCIANO JR3 | 23 SPRING VALLEY ROAD WOODBRIDGE, CT 06525 | AFLAC | $2K | $137 | $2K | 1.30% |
| TRECIA J BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $2K | — | $2K | 0.94% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 535 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $149 | — | $149 | 0.09% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $122 | — | $122 | 0.07% |
| ALONZO L EDWARDS3 | 2390 STATE STREET HOUSE 13 HAMDEN, CT 06517 | AFLAC | $120 | — | $120 | 0.07% |
| JOHN K SCHULE3 | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $107 | — | $107 | 0.06% |
| CHRISTOPHER S AUSTERMANN3 | 100 MILL PLAIN ROAD SUITE 322 DANBURY, CT 06811 | AFLAC | $98 | — | $98 | 0.06% |
| NATALIE D RYAN3 | 2038 LAKE MARIE BLVD APT 4304 COLUMBIA, SC 29212 | AFLAC | $97 | — | $97 | 0.06% |
| ROBERT JAMES LAMB3 | 181 DEEPWOOD DRIVE GUILFORD, CT 06461 | AFLAC | $90 | — | $90 | 0.05% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $46 | — | $46 | 0.03% |
| MICHAEL LANGDON3 | PO BOX 783 FARMINGTON, CT 06034 | AFLAC | $36 | — | $36 | 0.02% |
| JUDITH M BARRY3 | 1 MICHAEL DRIVE EAST HAMPTON, CT 06424 | AFLAC | $26 | — | $26 | 0.02% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE SUITE 101 CHESHIRE, CT 06410 | AFLAC | $24 | — | $24 | 0.01% |
| CHRISTIAN PAUL VIRZI3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $12 | — | $12 | 0.01% |
| GEORGE J MCDONALD3 | 106 EASTBURY HILL ROAD GLASTONBURY, CT 06033 | AFLAC | $11 | — | $11 | 0.01% |
| LOUIS C CURTO3 | 19 SUTTON PLACE APT 3 AGAWAM, MA 01001 | AFLAC | $5 | — | $5 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | — | $2K | 3.04% |
| JOHN BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06547 | AFLAC | $36 | — | $36 | 2.77% |
| BRIDGET A MORRISSEY3 | 341 SHEWVILLE ROAD LEDYARD, CT 06339 | AFLAC | $25 | — | $25 | 1.92% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 100 MOTOR PARKWAY, SUITE 110 PO BOX 12188 HAUPPAUGE, NE 11788 | AFLAC | $24 | — | $24 | 1.84% |
| TRECIA BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $23 | — | $23 | 1.77% |
| LORRAINE M SANBORN3 | 186 VIRGO DRIVE GROTON, CA 06340 | AFLAC | $13 | — | $13 | 1.00% |
| TODD P SIMON3 | 85 FALMOUTH ROAD WEST SPRINGFIELD, MA 01089 | AFLAC | $7 | — | $7 | 0.54% |
| LOUIS R FAIOLA3 | 12 HAAWK ROAD DELMAR, NY 12054 | AFLAC | $2 | — | $2 | 0.15% |
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 | 1,040 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,046 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 521 | $74K |
| Life insurance | AETNA LIFE INSURANCE CO. | 866 | $800K |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 866 | $972K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 866 | $800K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,104 | $803K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,104 | — |
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."
No prospect flags tripped on this filing.