| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $23K | $0 | $23K | 2.77% |
| MJ INSURANCE3 Filed as: C. S. AUSTERMANN & VARIOUS AGENTS | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $7K | $140 | $7K | 4.10% |
| JERALD A. RAFANIELLO3 | 103 WINDHAM ROAD BRISTOL, CT 06010 | AFLAC | $6K | $687 | $7K | 3.83% |
| JOHN W BRADY3 Filed as: JOHN W. BRADY | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $3K | $0 | $3K | 1.46% |
| FRED A LUCIANO JR3 Filed as: FRED A. LUCIANO JR. | 23 SPRING VALLEY ROAD WOODBRIDGE, CT 06525 | AFLAC | $2K | $140 | $2K | 1.32% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | AFLAC | $1K | $0 | $1K | 0.81% |
| TRECIA J BRADY3 Filed as: TRECIA J. BRADY | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $1K | $0 | $1K | 0.73% |
| JOHN S BRADY3 Filed as: JOHN S. BRADY | PO BOX 526 CUMMAQUID, MA 02637 | AFLAC | $1K | $0 | $1K | 0.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $3K | $0 | $3K | 3.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.41% |
| JOHN BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $21 | $0 | $21 | 2.68% |
| ASSUREDPARTNERS3 | 1 FINANCIAL PLAZA, SUITE 2 HARTFORD, CT 06103 | AFLAC | $17 | $0 | $17 | 2.17% |
| TRECIA BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $16 | $0 | $16 | 2.04% |
| LORRAINE M SANBORN3 Filed as: LORRAINE M. SANBORN | 186 VIRGO DRIVE GROTON, CT 06340 | AFLAC | $16 | $0 | $16 | 2.04% |
| BRIDGET A MORRISSEY3 Filed as: BRIDGET A. MORRISSEY | 341 SHEWVILLE ROAD LEDYARD, CT 06339 | AFLAC | $11 | $0 | $11 | 1.40% |
| LOUIS R FAIOLA3 Filed as: LOUIS R. FAIOLA | 12 HAAWK COURT DELMAR, NY 12054 | AFLAC | $2 | $0 | $2 | 0.25% |
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 | 1,201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 529 | $80K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 890 | $818K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 890 | $991K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 890 | $818K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,201 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,201 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.