| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS P MCKIERNAN3 | 7025 E VIA SOLERI DR UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $5K | $177 | $5K | 3.67% |
| KELLY ASSIS3 | 16 OVERTON AVE MILFORD, CT 06460 | AFLAC | $4K | $444 | $4K | 3.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCES SERVICES LLC | P.O. BOX 1040 MERIDEN, CT 06450 | AFLAC | $3K | $0 | $3K | 2.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCES SERVICES LLC | P.O. BOX 1040 MERIDEN, CT 06450 | AFLAC | $2K | $0 | $2K | 1.65% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $2K | $105 | $2K | 1.54% |
| INNOVATIVE INSURANCE SPECIALIST3 | P.O. BOX 417 MADISON, CT 06443 | AFLAC | $1K | $0 | $1K | 0.84% |
| KATHRYN BAKER3 | 15 MEADOWBROOK RD MADISON, CT 06443 | AFLAC | $657 | $89 | $746 | 0.55% |
| ANDREA TULLO3 | 131 KNEELAND RD NEW HAVEN, CT 06512 | AFLAC | $678 | $0 | $678 | 0.50% |
| SHAVONNE D JOHNSON3 | 21 ELM ST EAST HAVEN, CT 06512 | AFLAC | $542 | $90 | $632 | 0.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST NEW YORK, NY 10019 | AFLAC | $621 | $0 | $621 | 0.46% |
| MICHAEL T REYES3 | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | $451 | $0 | $451 | 0.33% |
| ALONZO L EDWARDS3 | 2390 STATE ST HOUSE #13 HAMDEN, CT 06517 | AFLAC | $406 | $30 | $436 | 0.32% |
| DENISE POIRIER3 Filed as: DENISE C POIRIER | 41 BENZ ST ANSONIA, CT 06401 | AFLAC | $376 | $11 | $387 | 0.29% |
| JEANNETTE A COLE3 | 185 PLAINS RD STE 108E MILFORD, CT 06461 | AFLAC | $315 | $55 | $370 | 0.27% |
| THE GOLD BRANCH LLC3 | 6 SAUQUETT LN SEYMOUR, CT 06483 | AFLAC | $367 | $0 | $367 | 0.27% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 535 CONNECTICUT AVE STE 103 NORWALK, CT 06854 | AFLAC | $315 | $41 | $356 | 0.26% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $291 | $41 | $332 | 0.25% |
| THOMAS P MCKIERNAN3 | 6895 E CAMELBACK RD STE 102 SCOTTSDALE, AZ 85251 | AFLAC | $312 | $0 | $312 | 0.23% |
| FRED A LUCIANO JR3 | 23 SPRING VALLEY RD WOODBRIDGE, CT 06525 | AFLAC | $268 | $0 | $268 | 0.20% |
| ANDREA TULLO3 | 155 BURR ST NEW HAVEN, CT 06512 | AFLAC | $139 | $110 | $249 | 0.18% |
| ALLEN R. JACKSON3 Filed as: ALLEN R JACKSON | 46 PRINCE ST STE 206 NEW HAVEN, CT 06519 | AFLAC | $247 | $0 | $247 | 0.18% |
| DENNIS RIVERA3 | 24 AUNT PARK LN NEWTOWN, CT 06470 | AFLAC | $237 | $0 | $237 | 0.17% |
| CLAUDIA OLIVEIRA3 | 209 LANE ST HAMDEN, CT 06514 | AFLAC | $190 | $13 | $203 | 0.15% |
| GAIL ANDERSON3 Filed as: GAIL A ANDERSON | 119 HUGHES ST EAST HAVEN, CT 06512 | AFLAC | $159 | $30 | $189 | 0.14% |
| JEANNETTE A COLE3 | 23 CLIFF ST EAST HAVEN, CT 06512 | AFLAC | $175 | $0 | $175 | 0.13% |
| JOHN W SABO3 | 500 EVERGREEN AVE HAMDEN, CT 06518 | AFLAC | $125 | $37 | $162 | 0.12% |
| JON STARR3 Filed as: JON M STARR | 597 WESTPORT AVE UNIT C562 NORWALK, CT 06851 | AFLAC | $151 | $0 | $151 | 0.11% |
| ANTHONY LAKE3 | 16 OVERTON AVE MILFORD, CT 06460 | AFLAC | $148 | $0 | $148 | 0.11% |
| THOMAS P MCKIERNAN3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $126 | $17 | $143 | 0.11% |
| WESTON BENEFIT CARD SERVICES INC3 | 13000 F YORK RD PMB 234 CHARLOTTE, NC 28278 | AFLAC | $140 | $0 | $140 | 0.10% |
| JUAN B TORRES3 | 141 BALDWIN AVE WATERBURY, CT 06706 | AFLAC | $119 | $0 | $119 | 0.09% |
| ROY CHILDRESS3 Filed as: ROY QUINONES | 32 4TH ST HAMDEN, CT 06514 | AFLAC | $91 | $13 | $104 | 0.08% |
| JEANNETTE A COLE3 | 109 BOSTON POST RD STE 206 ORANGE, CT 06477 | AFLAC | $103 | $0 | $103 | 0.08% |
| JOHN K SCHULE3 | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $97 | $0 | $97 | 0.07% |
| JUSTIN GRIFFEY3 | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | AFLAC | $85 | $0 | $85 | 0.06% |
| RICHARD SAENZ3 | 657 OLD STRATFIELD RD FAIRFIELD, CT 06825 | AFLAC | $66 | $14 | $80 | 0.06% |
| MICHAEL GRANNON3 Filed as: MICHAEL L GRANNON | 145 MAPLE AVE OLD SAYBROOK, CT 06475 | AFLAC | $77 | $0 | $77 | 0.06% |
| CHRISTOPHER S AUSTERMANN3 | 148 EASTERN BLVD GLASTONBURY, CT 06033 | AFLAC | $66 | $0 | $66 | 0.05% |
| MICHAEL GRANNON3 Filed as: MICHAEL L GRANNON | 20 BETTY LN SALEM, NH 03079 | AFLAC | $32 | $28 | $60 | 0.04% |
| MICHAEL P ROLDAN3 | 6895 E CAMELBACK RD UNIT 6028 SCOTTSDALE, AZ 85251 | AFLAC | $36 | $12 | $48 | 0.04% |
| MICHAEL P ROLDAN3 | 57 W TOWN ST UNIT 1E MILFORD, CT 06460 | AFLAC | $46 | $0 | $46 | 0.03% |
| STEPHEN WEST3 Filed as: STEPHEN E WEST | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $40 | $4 | $44 | 0.03% |
| HECTOR ZAYAS3 | 2 WINTER ST ANSONIA, CT 06401 | AFLAC | $34 | $0 | $34 | 0.03% |
| PATRICIA CROTEAU3 | 128 CHURCH ST 2ND FL WALLINGFORD, CT 06492 | AFLAC | $31 | $0 | $31 | 0.02% |
| PATRICIA CROTEAU3 | 128 CHURCH ST 2ND FL WALLINGFORD, CT 06492 | AFLAC | $28 | $0 | $28 | 0.02% |
| JEFFRY COLEMAN3 Filed as: JEFFRY M COLEMAN | 80 OLD TOWN FARM RD WOODBURY, CT 06798 | AFLAC | $26 | $0 | $26 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 261 MADISON AVE FL 5 NEW YORK, NY 10016 | AFLAC | $23 | $0 | $23 | 0.02% |
| INNOVATIVE BENEFITS INC3 Filed as: INNOVATIVE INSURANCE LLC | 61 SHERMAN ST FAIRFIELD, CT 06824 | AFLAC | $22 | $0 | $22 | 0.02% |
| PAGE G LEWIS3 | 416 CREE TRL PATRICK AIR FORCE BASE, FL 32925 | AFLAC | $21 | $0 | $21 | 0.02% |
| STEPHEN WEST3 Filed as: STEPHEN E WEST | 5 JANE ST BEACON FALLS, CT 06403 | AFLAC | $16 | $4 | $20 | 0.01% |
| MICHELLE NICOLE FELDMAN3 | 214 WHITE ST WEST HAVEN, CT 06516 | AFLAC | $5 | $12 | $17 | 0.01% |
| KENNETH C GRAVELINE3 | 20 CORRINE DR PROSPECT, CT 06712 | AFLAC | $12 | $0 | $12 | 0.01% |
| ROY CHILDRESS3 Filed as: ROY QUINONES | 23 ALPINE DR EAST HAVEN, CT 06512 | AFLAC | $5 | $0 | $5 | 0.00% |
| SOPHIA M GILMER3 | 20 JAMES ST MILFORD, CT 06460 | AFLAC | $3 | $0 | $3 | 0.00% |
| LESLIE K KIMBROUGH3 | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $2 | $0 | $2 | 0.00% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $2 | $0 | $2 | 0.00% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 APT 208 CHARLOTTE, NC 28269 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 145 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.