| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCKIERNAN3 | 109 BOSTON POST RD SUITE 6-7 ORANGE, CT 06477 | AFLAC | $6K | $252 | $6K | 5.06% |
| KELLY ASSIS3 | 109 BOSTON POST RD STE 207 ORANGE, CT 06477 | AFLAC | $4K | $400 | $5K | 4.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 261 MADISON AVE NEW YORK, NY 10016 | AFLAC | $5K | — | $5K | 4.03% |
| INNOVATIVE INSURANCE SPECIALIST3 | 46 PRINCE ST SUITE 206 NEW HAVEN, CT 06519 | AFLAC | $3K | — | $3K | 2.22% |
| FILIPE COELHO3 | 109 BOSTON POST RD SUITE 206 AND 207 ORANGE, CT 06477 | AFLAC | $2K | $179 | $2K | 2.03% |
| DENISE POIRIER3 | 41 BENZ ST ANSONIA, CT 06401 | AFLAC | $1K | $89 | $1K | 0.96% |
| CLAUDIA OLIVEIRA3 | 209 LANE ST HAMDEN, CT 06514 | AFLAC | $645 | $57 | $702 | 0.60% |
| JEANNETTE A COLE3 Filed as: JEANNETTE COLE | 23 CLIFF ST EAST HAVEN, CT 06512 | AFLAC | $542 | $135 | $677 | 0.58% |
| ALONZO EDWARDS3 | 2390 STATE ST HOUSE #13 HAMDEN, CT 06517 | AFLAC | $539 | $110 | $649 | 0.56% |
| MICHAEL REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $557 | — | $557 | 0.48% |
| PATRICIA CROTEAU3 | 41 CURRIER WAY CHESHIRE, CT 06410 | AFLAC | $448 | $33 | $481 | 0.41% |
| MICHAEL P ROLDAN3 Filed as: MICHAEL ROLDAN | 57 W TOWN ST UNIT 1E MILFORD, CT 06460 | AFLAC | $376 | $32 | $408 | 0.35% |
| FRED A LUCIANO JR3 Filed as: FRED LUCIANO JR | 23 SPRING VALLEY RD WOODBRIDGE, CT 06525 | AFLAC | $346 | — | $346 | 0.30% |
| ANDREA TULLO3 | 18 CARMEN ST EAST HAVEN, CT 06512 | AFLAC | $269 | $59 | $328 | 0.28% |
| DENNIS RIVERA3 | 24 AUNT PARK LANE NEWTOWN, CT 06470 | AFLAC | $286 | — | $286 | 0.25% |
| ALLEN JACKSON3 | 46 PRINCE ST STE 206 NEW HAVEN, CT 06519 | AFLAC | $219 | — | $219 | 0.19% |
| WESTON BENEFIT CARD SERVICES INC3 | 13000 F YORK RD PMB 234 CHARLOTTE, NC 28278 | AFLAC | $200 | — | $200 | 0.17% |
| KATHRYN BAKER3 | 15 MEADOWBROOK RD MADISON, CT 06443 | AFLAC | $179 | $18 | $197 | 0.17% |
| INNOVATIVE BENEFITS INC3 Filed as: INNOVATIVE INSURANCE LLC | 81 SHERMAN ST FAIRFIELD, CT 06824 | AFLAC | $190 | — | $190 | 0.16% |
| KENNETH GRAVELINE3 | 20 CORRINE DR PROSPECT, CT 06712 | AFLAC | $163 | $10 | $173 | 0.15% |
| JON STARR3 | 597 WESTPORT AVE UNIT C562 NORWALK, CT 06851 | AFLAC | $159 | — | $159 | 0.14% |
| ROY CHILDRESS3 Filed as: ROY QUINONES | 32 4TH ST HAMDEN, CT 06514 | AFLAC | $124 | — | $124 | 0.11% |
| JARED D'AURIA3 | 101 MADISON SPRINGS DR MADISON, CT 06443 | AFLAC | $98 | $20 | $118 | 0.10% |
| BRIAN R WADE3 Filed as: BRIAN WADE | 925 ORONOKE RD UNIT 23F WATERBURY, CT 06708 | AFLAC | $63 | $44 | $107 | 0.09% |
| RAMON GARCIA | 32 COOK AVE APT B-22 MERIDEN, CT 06451 | AFLAC | $99 | — | $99 | 0.09% |
| RICHARD SAENZ3 | 657 OLD STRATFIELD RD FAIRFIELD, CT 06825 | AFLAC | $77 | $20 | $97 | 0.08% |
| ROBERT RYAN3 | 222 SOUTH ST WEST HAVEN, CT 06516 | AFLAC | $97 | — | $97 | 0.08% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $71 | $8 | $79 | 0.07% |
| KAYSHA CORNIER TORRES3 | 40A JENNINGS WAY NEW HAVEN, CT 06515 | AFLAC | $70 | — | $70 | 0.06% |
| JOHN K SCHULE3 Filed as: JOHN SCHULE | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $47 | $1 | $48 | 0.04% |
| KAREN BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $36 | — | $36 | 0.03% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER AUSTERMANN | 100 MILL PLAIN RD STE 322 DANBURY, CT 06811 | AFLAC | $32 | — | $32 | 0.03% |
| JEFFRY COLEMAN3 | 80 OLD TOWN FARM RD WOODBURY, CT 06798 | AFLAC | $26 | — | $26 | 0.02% |
| ANNELISSE CHAPELLIN3 | 17 PAR LN TRUMBULL, CT 06611 | AFLAC | $21 | — | $21 | 0.02% |
| PAGE LEWIS3 | 416 CREE TRL PATRICK AIRFORCE BASE, FL 32925 | AFLAC | $21 | — | $21 | 0.02% |
| SOPHIA M GILMER3 Filed as: SOPHIA GILMER | 20 JAMES ST MILFORD, CT 06460 | AFLAC | $6 | — | $6 | 0.01% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $2 | — | $2 | 0.00% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD KIMBROUGH | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTIAN VIRZI3 | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | — | $1 | $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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 141 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.