| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $3K | $81 | $3K | 8.52% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $1K | — | $1K | 2.94% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $881 | — | $881 | 2.42% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $835 | $35 | $870 | 2.39% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $737 | — | $737 | 2.02% |
| TYLER GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $392 | — | $392 | 1.08% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 67 NORWICH, CT 06360 | AFLAC | $146 | $129 | $275 | 0.75% |
| MARIA OLIVA-MOQUILLAZA3 | 89 WILLETTS AVENUE NEW LONDON, CT 06320 | AFLAC | $189 | — | $189 | 0.52% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $111 | — | $111 | 0.30% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $4K | $78 | $4K | 11.03% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $1K | — | $1K | 3.03% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $1K | — | $1K | 2.99% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $979 | $32 | $1K | 2.82% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $846 | — | $846 | 2.36% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 62 MADISON, CT 06443 | AFLAC | $278 | $67 | $345 | 0.96% |
| TYLER GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $252 | $47 | $299 | 0.83% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $135 | — | $135 | 0.38% |
| MARIA OLIVA-MOQUILLAZA3 | 89 WILLETTS AVENUE NEW LONDON, CT 06320 | AFLAC | $109 | — | $109 | 0.30% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $2K | $96 | $2K | 8.99% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $806 | — | $806 | 3.33% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $760 | $27 | $787 | 3.25% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $766 | — | $766 | 3.16% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $607 | — | $607 | 2.50% |
| MARIA OLIVA-MOQUILLAZA3 | 89 WILLETTS AVENUE NEW LONDON, CT 06320 | AFLAC | $319 | $1 | $320 | 1.32% |
| TYLER GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $252 | $33 | $285 | 1.18% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 68 CLINTON, CT 06413 | AFLAC | $164 | $34 | $198 | 0.82% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $89 | — | $89 | 0.37% |
| WILLIAM H KIRK3 Filed as: WILLIAM KIRK | 110 JEFFERSON BLVD. WARWICK, RI 02888 | AFLAC | $78 | — | $78 | 0.32% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $2K | $81 | $2K | 10.44% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $780 | — | $780 | 3.61% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $768 | — | $768 | 3.56% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $593 | — | $593 | 2.75% |
| MARIA OLIVA-MOQUILLAZA3 | 89 WILLETTS AVENUE NEW LONDON, CT 06320 | AFLAC | $464 | $1 | $465 | 2.15% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $408 | $19 | $427 | 1.98% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 64 MILFORD, CT 06461 | AFLAC | $218 | — | $218 | 1.01% |
| WILLIAM H KIRK3 Filed as: WILLIAM KIRK | 110 JEFFERSON BLVD. WARWICK, RI 02888 | AFLAC | $205 | — | $205 | 0.95% |
| VOLUNTARY BENEFITS SVCS INC3 Filed as: VOLUNTARY BENEFITS SVCS. INC. | 63 NORWICH AVENUE, SUITE 202 COLCHESTER, CT 06415 | AFLAC | $149 | — | $149 | 0.69% |
| TYLER GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $111 | $33 | $144 | 0.67% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $770 | $8 | $778 | 3.89% |
| GREGORY LAFLAM3 | 963 EXETER ROAD LEBANON, CT 06249 | AFLAC | $502 | — | $502 | 2.51% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $351 | $8 | $359 | 1.79% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $353 | — | $353 | 1.76% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $299 | — | $299 | 1.49% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $254 | — | $254 | 1.27% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 69 MILFORD, CT 06461 | AFLAC | $147 | $21 | $168 | 0.84% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $120 | — | $120 | 0.60% |
| TYLER GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $81 | — | $81 | 0.40% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $922 | $60 | $982 | 9.28% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $299 | — | $299 | 2.83% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $290 | — | $290 | 2.74% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $218 | $14 | $232 | 2.19% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $220 | — | $220 | 2.08% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 53 MILFORD, CT 06461 | AFLAC | $179 | $16 | $195 | 1.84% |
| TYLER GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $104 | $7 | $111 | 1.05% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $343 | $8 | $351 | 4.32% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $146 | $8 | $154 | 1.90% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $123 | — | $123 | 1.51% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $122 | — | $122 | 1.50% |
| TYLER GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $101 | — | $101 | 1.24% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 23 MILFORD, CT 06461 | AFLAC | $61 | $39 | $100 | 1.23% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $89 | — | $89 | 1.10% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $232 | — | $232 | 3.53% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $232 | — | $232 | 3.53% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $151 | — | $151 | 2.30% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $82 | — | $82 | 1.25% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $58 | — | $58 | 0.88% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 12 SOUTH GLASTONBURY, CT 06073 | AFLAC | $50 | — | $50 | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED ADMINISTRATION CORP. EIN 06-0988547 NONE | Claims processing Service code 12 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | $189K |
| CORPORATE MANAGED HEALTH SERVICES EIN 06-1421429 NONE | Contract Administrator Service code 13 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | $32K |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(8 contracts) | AFLAC | 50 | $163K |
| Short-term disability(8 contracts) | AFLAC | 50 | $163K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 155 | $327K |
| Other(10 contracts, 3 carriers) | AFLAC | 155 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.