| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $3K | $383 | $4K | 10.35% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $839 | $81 | $920 | 2.49% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $809 | — | $809 | 2.19% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $749 | — | $749 | 2.03% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $619 | — | $619 | 1.68% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 62 SOUTH GLASTONBURY, CT 06073 | AFLAC | $193 | $58 | $251 | 0.68% |
| TYLER GRACEY3 | 27 PLAINS ROAD, UNIT A12 ESSEX, CT 06426 | AFLAC | $109 | $31 | $140 | 0.38% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $115 | — | $115 | 0.31% |
| STEPHEN E. BRUECKNER3 | 39 CANADY LANE MADISON, CT 06443 | AFLAC | $83 | — | $83 | 0.22% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $3K | $253 | $3K | 10.54% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $932 | — | $932 | 3.18% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $810 | $77 | $887 | 3.02% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $873 | — | $873 | 2.97% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $707 | — | $707 | 2.41% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 56 MILFORD, CT 06461 | AFLAC | $229 | $82 | $311 | 1.06% |
| MARIA OLIVA-MOQUILLAZA3 | 89 WILLETTS AVENUE NEW LONDON, CT 06320 | AFLAC | $109 | $60 | $169 | 0.58% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $113 | — | $113 | 0.38% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $72 | — | $72 | 0.25% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $3K | $60 | $3K | 9.05% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $787 | — | $787 | 2.78% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $640 | $19 | $659 | 2.33% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $650 | — | $650 | 2.30% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $544 | — | $544 | 1.92% |
| TYLER GRACEY3 | 27 PLAINS RD UNIT A12 ESSEX, CT 06426 | AFLAC | $169 | $33 | $202 | 0.71% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 69 MILFORD, CT 06461 | AFLAC | $79 | $19 | $98 | 0.35% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $83 | — | $83 | 0.29% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 Filed as: DIVERSIFIED ADMINISTRATION CORP. | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $693 | — | $693 | 3.00% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $2K | $19 | $2K | 7.30% |
| GREGORY LAFLAM3 | 894 PUCKER STREET COVENTRY, CT 06238 | AFLAC | $516 | — | $516 | 2.33% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $444 | $13 | $457 | 2.06% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $350 | — | $350 | 1.58% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $282 | — | $282 | 1.27% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $246 | — | $246 | 1.11% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $123 | — | $123 | 0.55% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 28 MADISON, CT 06443 | AFLAC | $91 | — | $91 | 0.41% |
| TYLER GRACEY3 | 27 PLAINS ROAD, UNIT A12 ESSEX, CT 06426 | AFLAC | $52 | — | $52 | 0.23% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $1K | $19 | $1K | 9.51% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $354 | — | $354 | 2.59% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $345 | — | $345 | 2.52% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $265 | $4 | $269 | 1.97% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $265 | — | $265 | 1.94% |
| TYLER GRACEY3 | 27 PLAINS ROAD, UNIT A12 ESSEX, CT 06426 | AFLAC | $79 | $10 | $89 | 0.65% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 29 CRANSTON, RI 02905 | AFLAC | $59 | $13 | $72 | 0.53% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $42 | — | $42 | 0.31% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $40 | — | $40 | 0.29% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $1K | $26 | $1K | 8.89% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $322 | — | $322 | 2.75% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $321 | — | $321 | 2.74% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $253 | $4 | $257 | 2.19% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $249 | — | $249 | 2.12% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 49 NORWICH, CT 06360 | AFLAC | $110 | $61 | $171 | 1.46% |
| TYLER GRACEY3 | 27 PLAINS ROAD, UNIT A12 ESSEX, CT 06426 | AFLAC | $76 | — | $76 | 0.65% |
| FRANK DAVID ANGELIS3 | 96 HARTFORD AVENUE GRANBY, CT 06035 | AFLAC | $55 | — | $55 | 0.47% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $50 | — | $50 | 0.43% |
| 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 | $575 | $14 | $589 | 6.66% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $200 | — | $200 | 2.26% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $200 | — | $200 | 2.26% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $150 | $7 | $157 | 1.77% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $146 | — | $146 | 1.65% |
| TYLER GRACEY3 | 27 PLAINS ROAD, UNIT A12 ESSEX, CT 06426 | AFLAC | $111 | $27 | $138 | 1.56% |
| JUANITA HILL3 | 29 MILES STANDISH DRIVE WEST HARTFORD, CT 06107 | AFLAC | $69 | — | $69 | 0.78% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 24 GLASTONBURY, CT 06033 | AFLAC | $32 | — | $32 | 0.36% |
| MARIA OLIVA-MOQUILLAZA3 | 89 WILLETTS AVENUE NEW LONDON, CT 06320 | AFLAC | — | — | $0 | 0.00% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $228 | — | $228 | 3.46% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $209 | — | $209 | 3.17% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $145 | — | $145 | 2.20% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $77 | — | $77 | 1.17% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $58 | — | $58 | 0.88% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 13 GLASTONBURY, CT 06033 | AFLAC | $45 | — | $45 | 0.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED ADMINISTRATION CORP. EIN 06-0988547 NONE | Claims processing Service code 12 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | $202K |
| CORPORATE MANAGED HEALTH SERVICES EIN 06-1421429 NONE | Contract Administrator Service code 13 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | $65K |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(8 contracts) | AFLAC | 39 | $158K |
| Short-term disability(8 contracts) | AFLAC | 39 | $158K |
| Stop-loss / reinsurancereinsurance | U.S. FIRE INSURANCE COMPANY | 160 | $282K |
| Other(10 contracts, 3 carriers) | AFLAC | 160 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.