| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $24K | $24K | 3.19% |
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $23K | $0 | $23K | 3.07% |
| JERALD A. RAFANIELLO3 | 103 WINDHAM ROAD BRISTOL, CT 06010 | AFLAC | $7K | $163 | $7K | 4.54% |
| MJ INSURANCE3 Filed as: JOHN BRADY AND VARIOUS AGENTS | PO BOX 526 CUMMAQUID, MA 02637 | AFLAC | $6K | $0 | $6K | 3.59% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | AFLAC | $6K | $0 | $6K | 3.54% |
| FRED A LUCIANO JR3 Filed as: FRED A. LUCIANO JR | 23 SPRING VALLEY ROAD WOODBRIDGE, CT 06525 | AFLAC | $2K | $38 | $2K | 1.49% |
| JOHN W BRADY3 Filed as: JOHN W. BRADY | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $2K | $0 | $2K | 1.32% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE B GLASTONBURY, CT 06033 | AFLAC | $2K | $38 | $2K | 1.19% |
| TRECIA J BRADY3 Filed as: TRECIA J. BRADY | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $1K | $0 | $1K | 0.66% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.74% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND, INC. | ONE FINANCIAL PLAZA 2ND FLOOR HARTFORD, CT 06103 | HARTFORD FIRE INSURANCE COMPANY | $451 | $0 | $451 | 15.01% |
| JOHN W BRADY3 Filed as: JOHN W. BRADY | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $17 | $0 | $17 | 2.13% |
| LORRAINE M SANBORN3 Filed as: LORRAINE M. SANBORN | 186 VIRGO DRIVE GROTON, CT 06340 | AFLAC | $16 | $0 | $16 | 2.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND, INC. | ONE FINANCIAL PLAZA 2ND FLOOR HARTFORD, CT 06103 | AFLAC | $15 | $0 | $15 | 1.88% |
| TRECIA J BRADY3 Filed as: TRECIA J. BRADY | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $14 | $0 | $14 | 1.75% |
| BRIDGET A MORRISSEY3 Filed as: BRIDGET A. MORRISSEY | 341 SHEWVILLE ROAD LEDYARD, CT 06339 | AFLAC | $9 | $0 | $9 | 1.13% |
| LOUIS R FAIOLA3 Filed as: LOUIS R. FAIOLA | 12 HAAWK COURT DELMAR, NY 12054 | AFLAC | $1 | $0 | $1 | 0.13% |
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 | 861 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 862 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 509 | $87K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 861 | $742K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 861 | $906K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 861 | $741K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,250 | $935K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,250 | — |
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.