| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $2K | — | $2K | 6.03% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $434 | — | $434 | 1.62% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $346 | — | $346 | 1.30% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $244 | — | $244 | 0.91% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $243 | — | $243 | 0.91% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $135 | — | $135 | 0.51% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $82 | — | $82 | 0.31% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $73 | — | $73 | 0.27% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 18 GLASTONBURY, CT 06033 | AFLAC | $61 | — | $61 | 0.23% |
| TYLER J. GRACEY3 | 22 MINER LANE, UNIT B10 WATERFORD, CT 06385 | AFLAC | $53 | — | $53 | 0.20% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $2K | — | $2K | 9.01% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $1K | — | $1K | 4.45% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $404 | — | $404 | 1.76% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $401 | — | $401 | 1.75% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $273 | — | $273 | 1.19% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $171 | — | $171 | 0.74% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $164 | — | $164 | 0.71% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $58 | — | $58 | 0.25% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE, UNIT 1101 WALTHAM, MA 02451 | AFLAC | $57 | — | $57 | 0.25% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 18 CRANSTON, RI 02905 | AFLAC | $43 | — | $43 | 0.19% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $2K | $78 | $2K | 9.45% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $686 | — | $686 | 3.68% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $334 | — | $334 | 1.79% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $305 | $19 | $324 | 1.74% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $151 | — | $151 | 0.81% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE, UNIT 1101 WALTHAM, MA 02451 | AFLAC | $111 | $19 | $130 | 0.70% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $120 | — | $120 | 0.64% |
| TYLER J. GRACEY3 | 22 MINER LANE, UNIT B10 WATERFORD, CT 06385 | AFLAC | $90 | $5 | $95 | 0.51% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $91 | — | $91 | 0.49% |
| KAREN BUCK3 Filed as: KAREN E. BUCK | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $39 | — | $39 | 0.21% |
| STEPHEN WEST3 Filed as: STEPHEN E. WEST | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $31 | — | $31 | 0.17% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $27 | — | $27 | 0.14% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 6 MADISON, CT 06443 | AFLAC | $5 | — | $5 | 0.03% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | HCC LIFE INSURANCE COMPANY | $492 | — | $492 | 3.00% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $2K | — | $2K | 17.10% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $424 | — | $424 | 3.37% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $349 | — | $349 | 2.77% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $330 | — | $330 | 2.62% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $75 | — | $75 | 0.60% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $67 | — | $67 | 0.53% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $64 | — | $64 | 0.51% |
| TYLER J. GRACEY3 | 22 MINER LANE, UNIT B10 WATERFORD, CT 06385 | AFLAC | $44 | — | $44 | 0.35% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $25 | — | $25 | 0.20% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 18 GLASTONBURY, CT 06033 | AFLAC | $15 | — | $15 | 0.12% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $352 | — | $352 | 3.15% |
| GREGORY LAFLAM3 Filed as: GREGORY J. LAFLAM | 894 PUCKER STREET COVENTRY, CT 06238 | AFLAC | $347 | — | $347 | 3.11% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $158 | — | $158 | 1.41% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $131 | — | $131 | 1.17% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $119 | — | $119 | 1.07% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $105 | — | $105 | 0.94% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $77 | — | $77 | 0.69% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $30 | — | $30 | 0.27% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE, UNIT 1101 WALTHAM, MA 02451 | AFLAC | $20 | — | $20 | 0.18% |
| TYLER GRACEY3 | 22 MINER LANE, UNIT B10 WATERFORD, CT 06385 | AFLAC | $16 | — | $16 | 0.14% |
| JOHN K SCHULE3 Filed as: JOHN K. SHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $14 | — | $14 | 0.13% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 6 GLASTONBURY, CT 06033 | AFLAC | $6 | — | $6 | 0.05% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $572 | $48 | $620 | 5.92% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $190 | — | $190 | 1.81% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $104 | — | $104 | 0.99% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE, UNIT 1101 WALTHAM, MA 02451 | AFLAC | $89 | $11 | $100 | 0.95% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $90 | — | $90 | 0.86% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $69 | $11 | $80 | 0.76% |
| AMBER PERSOHN3 | 39W436 LONG MEADOW LANE SAINT CHARLES, IL 60175 | AFLAC | $74 | — | $74 | 0.71% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $68 | — | $68 | 0.65% |
| TYLER J. GRACEY3 | 22 MINER LANE, UNIT B10 WATERFORD, CT 06385 | AFLAC | $45 | — | $45 | 0.43% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 18 NORWICH, CT 06360 | AFLAC | $36 | — | $36 | 0.34% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $34 | — | $34 | 0.32% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $30 | — | $30 | 0.29% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | P.O. BOX 299 MARLBOROUGH, CT 06447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $224 | — | $224 | 3.30% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $222 | — | $222 | 3.27% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $143 | — | $143 | 2.11% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $80 | — | $80 | 1.18% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $55 | — | $55 | 0.81% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | EACH PAID UNDER 18 SOUTH GLASTONBURY, CT 06033 | AFLAC | $37 | — | $37 | 0.54% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $22 | — | $22 | 0.32% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $168 | $35 | $203 | 5.80% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $66 | — | $66 | 1.88% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE, UNIT 1101 WALTHAM, MA 02451 | AFLAC | $36 | $8 | $44 | 1.26% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $37 | — | $37 | 1.06% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $31 | — | $31 | 0.89% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $18 | $8 | $26 | 0.74% |
| TYLER J. GRACEY3 | 22 MINER LANE, UNIT B10 WATERFORD, CT 06385 | AFLAC | $23 | — | $23 | 0.66% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $22 | — | $22 | 0.63% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(9 contracts, 2 carriers) | AFLAC | 244 | $121K |
| Short-term disability(8 contracts) | AFLAC | 25 | $113K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 124 | $449K |
| Other(10 contracts, 3 carriers) | AFLAC | 244 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
No prospect flags tripped on this filing.