| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCKIERNAN3 | 109 BOSTON POST RD SUITE 6-7 ORANGE, CT 06477 | AFLAC | $7K | $90 | $7K | 6.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCES SERVICES LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $4K | $0 | $4K | 3.99% |
| KELLY ASSIS3 | 109 BOSTON POST ROAD SUITE 207 ORANGE, CT 06477 | AFLAC | $4K | $235 | $4K | 3.96% |
| FELIPE COELHO3 | 109 BOSTON POST ROAD SUITE 206 AND 207 ORANGE, CT 06477 | AFLAC | $2K | $86 | $2K | 2.20% |
| INNOVATIVE INSURANCE SPECIALIST3 | 16 PRINCE STREET SUITE 206 NEW HAVEN, CT 06519 | AFLAC | $2K | $0 | $2K | 1.97% |
| MICHAEL REYES3 | 185 PLAINS RD SUITE 200E MILFORD, CT 06461 | AFLAC | $1K | $90 | $1K | 1.04% |
| JON STARR3 | 201 COMMONS PARK S UNIT 1912 STAMFORD, CT 06902 | AFLAC | $743 | $153 | $896 | 0.82% |
| DENISE POIRIER3 | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $819 | $14 | $833 | 0.76% |
| JEANNETTE A COLE3 Filed as: JEANNETTE COLE | 23 CLIFF ST EAST HAVEN, CT 06512 | AFLAC | $679 | $13 | $692 | 0.63% |
| FRED A LUCIANO JR3 Filed as: FRED LUCIANO JR | 23 SPRING VALLEY RD WOODBRIDGE, CT 06525 | AFLAC | $496 | $0 | $496 | 0.45% |
| MICHAEL P ROLDAN3 Filed as: MICHAEL ROLDAN | 18 DARINA PL MILFORD, CT 06460 | AFLAC | $492 | $0 | $492 | 0.45% |
| ALONZO EDWARDS3 | 2390 STATE STREET HOUSE #13 HAMDEN, CT 06517 | AFLAC | $442 | $0 | $442 | 0.40% |
| CLAUDIA OLIVEIRA3 | 209 LANE ST HAMDEN, CT 06514 | AFLAC | $405 | $0 | $405 | 0.37% |
| DENNIS RIVERA3 | 24 AUNT PARK LANE NEWTOWN, CT 06470 | AFLAC | $384 | $0 | $384 | 0.35% |
| INNOVATIVE BENEFITS INC3 Filed as: INNOVATIVE INSURANCE LLC | 61 SHERMAN ST FAIRFIELD, CT 06824 | AFLAC | $286 | $0 | $286 | 0.26% |
| WESTON BENEFIT CARD SERVICES INC3 | 13000 F YORK RD PMB 234 CHARLOTTE, NC 28278 | AFLAC | $265 | $0 | $265 | 0.24% |
| ANDREA TULLO3 | 18 CARMEN ST EAST HAVEN, CT 06512 | AFLAC | $258 | $0 | $258 | 0.24% |
| RAMON GARCIA3 | 32 COOK AVE APT B-22 MERIDEN, CT 06451 | AFLAC | $245 | $0 | $245 | 0.22% |
| ALLEN JACKSON3 | 46 PRINCE ST STE 206 NEW HAVEN, CT 06519 | AFLAC | $206 | $0 | $206 | 0.19% |
| BRIAN R WADE3 Filed as: BRIAN WADE | 925 ORONOKE RD UNIT 23 WATERBURY, CT 06708 | AFLAC | $185 | $0 | $185 | 0.17% |
| ROBERT RYAN3 | 222 SOUTH ST WEST HAVEN, CT 06516 | AFLAC | $183 | $0 | $183 | 0.17% |
| PATRICIA CROTEAU3 | 41 CURRIER WAY CHESHIRE, CT 06410 | AFLAC | $151 | $0 | $151 | 0.14% |
| RICHARD SAENZ3 | 657 OLD STRATFIELD RD FAIRFIELD, CT 06825 | AFLAC | $124 | $0 | $124 | 0.11% |
| JARED D'AURIA3 | 101 MADISON SPRINGS DR MADISON, CT 06443 | AFLAC | $110 | $0 | $110 | 0.10% |
| KATHRYN BAKER3 | 15 MEADOWBROOK RD MADISON, CT 06443 | AFLAC | $105 | $4 | $109 | 0.10% |
| KENNETH GRAVELINE3 | 20 CORRINE DR PROSPECT, CT 06712 | AFLAC | $107 | $0 | $107 | 0.10% |
| KAREN BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $78 | $0 | $78 | 0.07% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $62 | $0 | $62 | 0.06% |
| ANNELISSE CHAPELLIN3 | 17 PAR LN TRUMBULL, CT 06611 | AFLAC | $42 | $19 | $61 | 0.06% |
| JEFFRY COLEMAN3 | 80 OLD TOWN FARM RD WOODBURY, CT 06798 | AFLAC | $45 | $0 | $45 | 0.04% |
| PAGE LEWIS3 | 416 CREE TRL PATRICK AIR FORCE BASE, FL 32925 | AFLAC | $21 | $0 | $21 | 0.02% |
| ADAM MCCARITY3 | 242 BETH LN WATERBURY, CT 06705 | AFLAC | $15 | $0 | $15 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEILE AVE STE 400 SADDLE BROOK, NJ 07663 | AFLAC | $11 | $0 | $11 | 0.01% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $2 | $0 | $2 | 0.00% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD KIMBROUGH | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $2 | $0 | $2 | 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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 154 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.