| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 261 MADISON AVE FL 5 NEW YORK, NY 10016 | AFLAC | $7K | $0 | $7K | 4.79% |
| THOMAS MCKIERNAN3 | 7025 E. VIA SOLERI DR UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $6K | $112 | $6K | 4.63% |
| KELLY ASSIS3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $5K | $255 | $5K | 3.95% |
| FILIPE COELHO3 | 4515 S MCCLINTOCK DR SUITE 212 TEMPE, AZ 85282 | AFLAC | $2K | $69 | $2K | 1.72% |
| INNOVATIVE INSURANCE SPECIALIST3 | 46 PRINCE ST SUITE 206 NEW HAVEN, CT 06519 | AFLAC | $2K | $0 | $2K | 1.29% |
| KATHRYN BAKER3 | 15 MEADOWBROOK RD MADISON, CT 06443 | AFLAC | $790 | $4 | $794 | 0.57% |
| ANDREA TULLO3 | 18 CARMEN ST EAST HAVEN, CT 06512 | AFLAC | $793 | $0 | $793 | 0.57% |
| JEANNETTE A COLE3 Filed as: JEANNETTE COLE | 109 BOSTON POST RD STE 206 ORANGE, CT 06477 | AFLAC | $594 | $35 | $629 | 0.45% |
| CLAUDIA OLIVEIRA3 | 209 LANE ST HAMDEN, CT 06514 | AFLAC | $521 | $91 | $612 | 0.44% |
| DENISE POIRIER3 | 41 BENZ ANSONIA, CT 06401 | AFLAC | $535 | $15 | $550 | 0.39% |
| SHAVONNE D JOHNSON3 Filed as: SHAVONNE JOHNSON | 21 ELM ST EAST HAVEN, CT 06512 | AFLAC | $501 | $0 | $501 | 0.36% |
| MICHAEL REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $495 | $0 | $495 | 0.36% |
| ALONZO EDWARDS3 | 2390 STATE ST HOUSE #13 HAMDEN, CT 06517 | AFLAC | $486 | $5 | $491 | 0.35% |
| THE GOLD BRANCH LLC3 | 6 SAUQUETT LN SEYMOUR, CT 06483 | AFLAC | $454 | $0 | $454 | 0.33% |
| PATRICIA CROTEAU3 | 128 CHURCH ST 2ND FLOOR WALLINGFORD, CT 06492 | AFLAC | $363 | $58 | $421 | 0.30% |
| JUAN B TORRES3 Filed as: JUAN TORRES | 141 BALDWIN AVE WATERBURY, CT 06706 | AFLAC | $389 | $0 | $389 | 0.28% |
| ALLEN JACKSON3 | 46 PRINCE ST STE 206 NEW HAVEN, CT 06519 | AFLAC | $335 | $0 | $335 | 0.24% |
| ROY CHILDRESS3 Filed as: ROY QUINONES | 32 4TH ST HAMDEN, CT 06514 | AFLAC | $301 | $12 | $313 | 0.22% |
| FRED A LUCIANO JR3 Filed as: FRED LUCIANO JR | 23 SPRING VALLEY RD WOODBRIDGE, CT 06525 | AFLAC | $290 | $0 | $290 | 0.21% |
| MICHAEL REYES3 Filed as: MICHAEL ROBERTS | 535 CONNECTICUT AVE STE 103 NORWALK, CT 06854 | AFLAC | $263 | $0 | $263 | 0.19% |
| DENNIS RIVERA3 | 24 AUNT PARK LANE NEWTOWN, CT 06470 | AFLAC | $261 | $0 | $261 | 0.19% |
| JUSTIN GRIFFEY3 | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | AFLAC | $246 | $0 | $246 | 0.18% |
| JON STARR3 | 597 WESTPORT AVE UNIT C562 NORWALK, CT 06851 | AFLAC | $163 | $0 | $163 | 0.12% |
| WESTON BENEFIT CARD SERVICES INC3 | 13000 F YORK RD PMB 234 CHARLOTTE, NC 28278 | AFLAC | $159 | $0 | $159 | 0.11% |
| GAIL ANDERSON3 | 119 HUGHES ST EAST HAVEN, CT 06512 | AFLAC | $156 | $0 | $156 | 0.11% |
| JOHN W SABO3 Filed as: JOHN SABO | 500 EVERGREEN AVE HAMDEN, CT 06518 | AFLAC | $107 | $0 | $107 | 0.08% |
| JOHN K SCHULE3 Filed as: JOHN SCHULE | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $107 | $0 | $107 | 0.08% |
| MICHAEL GRANNON3 | 145 MAPLE AVE OLD SAYBROOK, CT 06475 | AFLAC | $92 | $0 | $92 | 0.07% |
| RICHARD SAENZ3 | 657 OLD STRATFIELD RD FAIRFIELD, CT 06825 | AFLAC | $89 | $0 | $89 | 0.06% |
| MICHEAL ROLDAN3 | 57 W TOWN ST UNIT 1E MILFORD, CT 06460 | AFLAC | $75 | $0 | $75 | 0.05% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER AUSTERMANN | 109 MILL PLAIN RD STE 322 DANBURY, CT 06811 | AFLAC | $73 | $0 | $73 | 0.05% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $57 | $0 | $57 | 0.04% |
| MICHELLE NICOLE FELDMAN3 Filed as: MICHELLE FELDMAN | 214 WHITE ST WEST HAVEN, CT 06516 | AFLAC | $55 | $0 | $55 | 0.04% |
| INNOVATIVE BENEFITS INC3 Filed as: INNOVATIVE INSURANCE LLC | 61 SHERMAN ST FAIRFIELD, CT 06824 | AFLAC | $50 | $0 | $50 | 0.04% |
| PAGE LEWIS3 | 416 CREE TRL PATRICK AIR FORCE BASE, FL 32925 | AFLAC | $26 | $0 | $26 | 0.02% |
| JEFFRY COLEMAN3 | 80 OLD TOWN FARM RD WOODBURY, CT 06798 | AFLAC | $26 | $0 | $26 | 0.02% |
| HECTOR ZAYAS3 | 2 WINTER ST ANSONIA, CT 06401 | AFLAC | $17 | $0 | $17 | 0.01% |
| JARED D'AURIA3 | 101 MADISON SPRINGS DR MADISON, CT 06443 | AFLAC | $13 | $0 | $13 | 0.01% |
| ANNELISSE CHAPELLIN3 | 17 PAR LN TRUMBELL, CT 06611 | AFLAC | $12 | $0 | $12 | 0.01% |
| KENNETH GRAVELINE3 | 20 CORRINE DR PROSPECT, CT 06712 | AFLAC | $11 | $0 | $11 | 0.01% |
| SOPHIA M GILMER3 Filed as: SOPHIA GILMER | 20 JAMES ST MILFORD, CT 06460 | AFLAC | $9 | $0 | $9 | 0.01% |
| KAREN BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $3 | $0 | $3 | 0.00% |
| 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% |
| PATRICIA ANNE REILLY3 Filed as: PATRICIA ALMOND | 3964 JOURNEY CT CASSELBERRY, FL 32707 | AFLAC | $1 | $0 | $1 | 0.00% |
| DENA JORDAN3 | 641 HIGUERE ST STE 300 APT 208 SAN LUIS OBISPO, CA 93401 | 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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AFLAC | 178 | $139K |
| Short-term disability | AFLAC | 178 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.