| 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. | $26K | — | $26K | 2.96% |
| JERALD A. RAFANIELLO3 Filed as: JERALD A RAFFANIELLO | 103 WINDHAM ROAD BRISTOL, CT 06010 | AFLAC | $11K | $630 | $12K | 6.38% |
| FRED A LUCIANO JR3 | 23 SPRING VALLEY ROAD WOODBRIDGE, CT 06525 | AFLAC | $3K | $132 | $3K | 1.68% |
| JOHN W BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $3K | — | $3K | 1.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 310502 DES MOINES, IA 50331 | AFLAC | $2K | — | $2K | 1.02% |
| TRECIA J BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $1K | — | $1K | 0.81% |
| CHRISTOPHER S AUSTERMANN3 | 100 MILL PLAIN ROAD SUITE 322 DANBURY, CT 06811 | AFLAC | $1K | — | $1K | 0.72% |
| STEVEN D MARTIN3 | 58 TIMBER LANE WILLINGTON, CT 06279 | AFLAC | $1K | $32 | $1K | 0.66% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY | 100 PEARL STREET FL 3W HARTFORD, CT 06103 | AFLAC | $1K | — | $1K | 0.56% |
| HORACIO J. CABRAL3 Filed as: HORACIO J CABRAL | 1516 NEW LONDON TPKE GLASTONBURY, CT 06033 | AFLAC | $678 | — | $678 | 0.37% |
| JOHN S BRADY3 | 19 BRADFORD CIR MARLBOROUGH, MA 01752 | AFLAC | $672 | — | $672 | 0.37% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 755 MAIN STREET HARTFORD, CT 06103 | AFLAC | $615 | — | $615 | 0.34% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $474 | $132 | $606 | 0.33% |
| JOHN S BRADY3 | PO BOX 526 CUMMAQUID, MA 02637 | AFLAC | $551 | — | $551 | 0.30% |
| NATALIE D RYAN3 | 207 FIELDSTONE LEDYARD, CT 06339 | AFLAC | $314 | — | $314 | 0.17% |
| LOUIS R FAIOLA3 | 12 HAAWK COURT DELMAR, NY 12054 | AFLAC | $299 | — | $299 | 0.16% |
| MICHAEL T REYES3 Filed as: MICHAEL K BROOKS | 190 STILL HILL ROAD HAMDEN, CT 06518 | AFLAC | $214 | — | $214 | 0.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 530 PRESTON AVENUE PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $205 | — | $205 | 0.11% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD WAYNE, NJ 07470 | AFLAC | $193 | — | $193 | 0.11% |
| THOMAS P MCKIERNAN3 | 6895 E CAMELBACK ROAD SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $185 | — | $185 | 0.10% |
| SCOTT W GAGE3 | PO BOX 1 BOUCKVILLE, NY 13310 | AFLAC | $153 | — | $153 | 0.08% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $150 | — | $150 | 0.08% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $147 | — | $147 | 0.08% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 535 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $141 | — | $141 | 0.08% |
| ALONZO L EDWARDS3 | 2390 STATE STREET HOUSE 13 HAMDEN, CT 06517 | AFLAC | $105 | — | $105 | 0.06% |
| JOHN K SCHULE3 | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $100 | — | $100 | 0.06% |
| ROBERT JAMES LAMB3 | 181 DEEPWOOD DRIVE GUILFORD, CT 06461 | AFLAC | $82 | — | $82 | 0.05% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE SUITE 101 CHESHIRE, CT 06410 | AFLAC | $70 | — | $70 | 0.04% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | PO BOX 527 INS SERVICES FARMINGTON, CT 06034 | AFLAC | $65 | — | $65 | 0.04% |
| THOMAS P MCKIERNAN3 | 7025 E VIA SOLERI DRIVE UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $35 | — | $35 | 0.02% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $34 | — | $34 | 0.02% |
| JUDITH M BARRY3 | 1 MICHAEL DRIVE EAST HAMPTON, CT 06424 | AFLAC | $25 | — | $25 | 0.01% |
| MICHAEL LANGDON3 | 290 BARBOURTOWN ROAD CANTON, CT 06019 | AFLAC | $23 | — | $23 | 0.01% |
| ISAAC SANTOS3 | 44 ANDREWS STREET NEW BRITAIN, CT 06051 | AFLAC | $22 | — | $22 | 0.01% |
| GARY N PINNEY3 | 565 WASHINGTON AVENUE SUITE 2 NORTH HAVEN, CT 06473 | AFLAC | $21 | — | $21 | 0.01% |
| DIANE M BOUCHER3 | PO BOX 1821 BRISTOL, CT 06011 | AFLAC | $19 | — | $19 | 0.01% |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PLACE LOUISVILLE, KY 40241 | AFLAC | $14 | — | $14 | 0.01% |
| BROCK POWELL3 | 3944 MURPHY CANYON ROAD SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $13 | — | $13 | 0.01% |
| CHRISTIAN PAUL VIRZI3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $12 | — | $12 | 0.01% |
| MELISSA A SCHOFIELD3 | 11620 N 39TH STREET PHOENIX, AZ 85028 | AFLAC | $8 | — | $8 | 0.00% |
| JOHN E CALKINS JR3 | 401 MAIN STREET WATERTOWN, CT 06795 | AFLAC | $7 | — | $7 | 0.00% |
| MEGAN L KEEFE3 | 139 E WEST HILL ROAD BARKHAMSTEAD, CT 06063 | AFLAC | $7 | — | $7 | 0.00% |
| BRIAN FAIN3 | 54 THIMBLE FARM ROAD BRANFORD, CT 06405 | AFLAC | $6 | — | $6 | 0.00% |
| LOUIS C CURTO3 | 19 SUTTON PLACE APT 3 AGAWAM, MA 01001 | AFLAC | $5 | — | $5 | 0.00% |
| FRANK P APUZZO JR3 | 2 TEMPLETON ROAD WALLINGFORD, CT 06492 | AFLAC | $5 | — | $5 | 0.00% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $4 | — | $4 | 0.00% |
| KEITH R BRICK3 | 6239 GOODWIN DRIVE COLUMBUS, GA 31909 | AFLAC | $4 | — | $4 | 0.00% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | — | $2K | 2.79% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | ONE FINANCIAL PLAZA 755 MAIN STREET HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $722 | $24 | $746 | 15.49% |
| JOHN BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06547 | AFLAC | $36 | — | $36 | 2.68% |
| BRIDGET A MORRISSEY3 | 341 SHEWVILLE ROAD LEDYARD, CT 06339 | AFLAC | $29 | — | $29 | 2.16% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 100 MOTOR PARKWAY, SUITE 110 PO BOX 12188 HAUPPAUGE, NE 11788 | AFLAC | $25 | — | $25 | 1.86% |
| TRECIA BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $24 | — | $24 | 1.79% |
| LORRAINE M SANBORN3 | 186 VIRGO DRIVE GROTON, CA 06340 | AFLAC | $16 | — | $16 | 1.19% |
| LOUIS R FAIOLA3 | 12 HAAWK ROAD DELMAR, NY 12054 | AFLAC | $3 | — | $3 | 0.22% |
| TODD P SIMON3 | 85 FALMOUTH ROAD WEST SPRINGFIELD, MA 01089 | 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 | 1,204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 534 | $76K |
| Life insurance | AETNA LIFE INSURANCE CO. | 893 | $865K |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 893 | $1.0M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 893 | $865K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,224 | $873K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,224 | — |
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.