| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $3K | $304 | $4K | 9.13% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $823 | — | $823 | 2.13% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $748 | — | $748 | 1.94% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $626 | — | $626 | 1.62% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $519 | $33 | $552 | 1.43% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $343 | $18 | $361 | 0.94% |
| TYLER GRACEY3 | 27 PLAINS RD UNIT A12 ESSEX, CT 06426 | AFLAC | $112 | — | $112 | 0.29% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $107 | — | $107 | 0.28% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 40 GLASTONBURY, CT 06033 | AFLAC | $80 | — | $80 | 0.21% |
| DOUGLAS CAPAZZI3 | 75 INDIAN FIELD RD GROTON, CT 06340 | AFLAC | $67 | — | $67 | 0.17% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $4K | $73 | $4K | 11.67% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $1K | — | $1K | 3.37% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $984 | — | $984 | 3.17% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $792 | — | $792 | 2.55% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $601 | — | $601 | 1.94% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $426 | $12 | $438 | 1.41% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 40 CRANSTON, RI 02905 | AFLAC | $114 | — | $114 | 0.37% |
| MATTHEW G. BOUTOT3 Filed as: MATTHEW G BOUTOT | 146 KITEMAUG RD UNCASVILLE, CT 06382 | AFLAC | $65 | — | $65 | 0.21% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $64 | — | $64 | 0.21% |
| TYLER GRACEY3 | 27 PLAINS ROAD, UNIT A12 ESSEX, CT 06426 | AFLAC | — | — | $0 | 0.00% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $2K | $106 | $2K | 8.19% |
| GREGORY LAFLAM | 894 PUCKER STREET COVENTRY, CT 06238 | AFLAC | $451 | — | $451 | 2.16% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $283 | $18 | $301 | 1.44% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $285 | — | $285 | 1.36% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $232 | — | $232 | 1.11% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $205 | — | $205 | 0.98% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $144 | — | $144 | 0.69% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $106 | — | $106 | 0.51% |
| TYLER GRACEY3 | 27 PLAINS ROAD, UNIT A12 ESSEX, CT 06426 | AFLAC | $53 | — | $53 | 0.25% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 40 SOUTH GLASTONBURY, CT 06073 | AFLAC | $26 | — | $26 | 0.12% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 Filed as: DIVERSIFIED ADMINISTRATION CORP. | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | HCC LIFE INSURANCE COMPANY | $622 | — | $622 | 3.00% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $1K | $33 | $1K | 7.44% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $448 | — | $448 | 2.40% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $338 | — | $338 | 1.81% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $297 | — | $297 | 1.59% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $244 | $5 | $249 | 1.34% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $135 | — | $135 | 0.72% |
| TYLER GRACEY3 | 27 PLAINS ROAD, UNIT A12 ESSEX, CT 06426 | AFLAC | $104 | — | $104 | 0.56% |
| DOUGLAS CAPAZZI | 75 INDIAN FIELD RD GROTON, CT 06340 | AFLAC | $82 | — | $82 | 0.44% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $58 | — | $58 | 0.31% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 40 MADISON, CT 06443 | AFLAC | $14 | — | $14 | 0.08% |
| GREGORY LAFLAM3 | 894 PUCKER STREET COVENTRY, CT 06238 | AFLAC | — | — | $0 | 0.00% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $790 | $123 | $913 | 7.08% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $207 | — | $207 | 1.61% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $196 | — | $196 | 1.52% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $177 | $14 | $191 | 1.48% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $154 | — | $154 | 1.19% |
| TYLER GRACEY3 | 27 PLAINS ROAD, UNIT A12 ESSEX, CT 06426 | AFLAC | $78 | — | $78 | 0.60% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $41 | $7 | $48 | 0.37% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $41 | — | $41 | 0.32% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 40 NORWICH, CT 06360 | AFLAC | $35 | — | $35 | 0.27% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 25.12% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $916 | — | $916 | 11.26% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $238 | — | $238 | 2.93% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $237 | — | $237 | 2.91% |
| DOUGLAS CAPAZZI3 | 75 INDIAN FIELD RD GROTON, CT 06340 | AFLAC | $135 | $89 | $224 | 2.75% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $185 | — | $185 | 2.27% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $159 | — | $159 | 1.95% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $81 | — | $81 | 1.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 40 MILFORD, CT 06461 | AFLAC | $72 | — | $72 | 0.89% |
| TYLER GRACEY3 | 27 PLAINS RD UNIT A12 ESSEX, CT 06426 | AFLAC | $50 | — | $50 | 0.61% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | — | — | $0 | 0.00% |
| PAMELA GRACEY3 | 80 NOWICH NEW LONDON TPKE 2M UNCASVILLE, CT 06382 | AFLAC | $331 | — | $331 | 4.73% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $226 | — | $226 | 3.23% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $179 | — | $179 | 2.56% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 Filed as: DIVERSIFIED ADMINISTRATION CORP. | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $103 | — | $103 | 1.47% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 40 SOUTH GLASTONBURY, CT 06033 | AFLAC | $66 | — | $66 | 0.94% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $58 | — | $58 | 0.83% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $41 | — | $41 | 0.59% |
| PAMELA GRACEY3 | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $480 | $57 | $537 | 9.65% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $153 | — | $153 | 2.75% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $153 | — | $153 | 2.75% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $114 | — | $114 | 2.05% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BLVD., SUITE 4 GLASTONBURY, CT 06033 | AFLAC | $72 | $7 | $79 | 1.42% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 40 MILFORD, CT 06461 | AFLAC | $70 | — | $70 | 1.26% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $62 | $5 | $67 | 1.20% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED ADMINISTRATION CORP. EIN 06-0988547 NONE | Claims processing Service code 12 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | $195K |
| CORPORATE MANAGED HEALTH SERVICES EIN 06-1421429 NONE | Contract Administrator Service code 13 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | $55K |
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(9 contracts, 2 carriers) | AFLAC | 155 | $156K |
| Short-term disability(8 contracts) | AFLAC | 37 | $143K |
| Stop-loss / reinsurancereinsurance | US FIRE INDURANCE COMPANY | 0 | $343K |
| Other(9 contracts, 2 carriers) | AFLAC | 155 | $163K |
| 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."
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.