| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRACEY BENEFIT SOLUTIONS, LLC3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $2K | $116 | $2K | 10.37% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $2K | — | $2K | 7.95% |
| ANNA J. TRAINO3 Filed as: ANNA TRAINO | 15 LAKEWOOD ROAD EAST HAMPTON, CT 06424 | AFLAC | $615 | — | $615 | 2.66% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $555 | $29 | $584 | 2.52% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $154 | $29 | $183 | 0.79% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $135 | — | $135 | 0.58% |
| TYLER J. GRACEY3 | 22 MINER LANE, UNIT B10 WATERFORD, CT 06385 | AFLAC | $92 | $10 | $102 | 0.44% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $101 | — | $101 | 0.44% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $80 | — | $80 | 0.35% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE, UNIT 1101 WALTHAM, MA 02451 | AFLAC | $65 | — | $65 | 0.28% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $26 | — | $26 | 0.11% |
| JOHN K SCHULE3 Filed as: JOHN K. SHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $5 | — | $5 | 0.02% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $2K | $24 | $2K | 8.55% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $590 | — | $590 | 2.60% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $253 | — | $253 | 1.11% |
| ANNA J. TRAINO3 Filed as: ANNA TRAINO | 15 LAKEWOOD ROAD EAST HAMPTON, CT 06424 | AFLAC | $233 | — | $233 | 1.03% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $222 | $6 | $228 | 1.00% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $175 | — | $175 | 0.77% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $165 | — | $165 | 0.73% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $60 | — | $60 | 0.26% |
| TYLER J. GRACEY3 | 22 MINER LANE, UNIT B10 WATERFORD, CT 06385 | AFLAC | $38 | — | $38 | 0.17% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $27 | $6 | $33 | 0.15% |
| JOHN K SCHULE3 Filed as: JOHN SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $12 | — | $12 | 0.05% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $11 | — | $11 | 0.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | AFLAC | $11 | — | $11 | 0.05% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $6 | — | $6 | 0.03% |
| WILLIAM WHICHER3 | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $6 | — | $6 | 0.03% |
| TODD BURKE3 | 365 STEWART AVENUE, APT. A14 GARDEN CITY, NY 11530 | AFLAC | $3 | — | $3 | 0.01% |
| KENNETH MEIER3 | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $2 | — | $2 | 0.01% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.01% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $2K | $56 | $2K | 10.03% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $289 | $13 | $302 | 1.46% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $277 | — | $277 | 1.34% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $273 | — | $273 | 1.32% |
| ANNA J. TRAINO3 Filed as: ANNA TRAINO | 15 LAKEWOOD ROAD EAST HAMPTON, CT 06424 | AFLAC | $244 | — | $244 | 1.18% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $154 | — | $154 | 0.75% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $143 | — | $143 | 0.69% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $76 | $13 | $89 | 0.43% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $47 | — | $47 | 0.23% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE, UNIT 1101 WALTHAM, MA 02451 | AFLAC | $18 | — | $18 | 0.09% |
| MATTHEW G. BOUTOT3 Filed as: MATTHEW BOUTOT | 146 KITEMAUG ROAD UNCASVILLE, CT 06382 | AFLAC | $13 | — | $13 | 0.06% |
| JOHN K SCHULE3 Filed as: JOHN SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $12 | — | $12 | 0.06% |
| RICE, DAVIS, DAILEY AND KRENZ, INC.3 | 50 WASHINGTON STREET MIDDLETOWN, CT 06457 | AFLAC | $9 | — | $9 | 0.04% |
| TYLER GRACEY3 | 22 MINER LANE, UNIT B10 WATERFORD, CT 06385 | AFLAC | $5 | — | $5 | 0.02% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | P.O. BOX 299 MARLBOROUGH, CT 06447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 25.00% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $1K | — | $1K | 10.08% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $772 | — | $772 | 5.33% |
| GREGORY LAFLAM3 Filed as: GREGORY J. LAFLAM | 894 PUCKER STREET COVENTRY, CT 06238 | AFLAC | $290 | — | $290 | 2.00% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $276 | — | $276 | 1.91% |
| ANNA J. TRAINO3 Filed as: ANNA TRAINO | 15 LAKEWOOD ROAD EAST HAMPTON, CT 06424 | AFLAC | $256 | — | $256 | 1.77% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $131 | — | $131 | 0.90% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $122 | — | $122 | 0.84% |
| DAVID SULLIVAN3 | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $112 | — | $112 | 0.77% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $78 | — | $78 | 0.54% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $62 | — | $62 | 0.43% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE, UNIT 1101 WALTHAM, MA 02451 | AFLAC | $17 | — | $17 | 0.12% |
| TYLER GRACEY3 | 22 MINER LANE, UNIT B10 WATERFORD, CT 06385 | AFLAC | $16 | — | $16 | 0.11% |
| JOHN K SCHULE3 Filed as: JOHN SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $10 | — | $10 | 0.07% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | P.O. BOX 299 MARLBOROUGH, CT 06447 | HCC LIFE INSURANCE COMPANY | $409 | — | $409 | 3.01% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $986 | $128 | $1K | 10.55% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $219 | $30 | $249 | 2.36% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $150 | $29 | $179 | 1.70% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $97 | — | $97 | 0.92% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $67 | — | $67 | 0.63% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $64 | — | $64 | 0.61% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $56 | — | $56 | 0.53% |
| TYLER J. GRACEY3 | 22 MINER LANE, UNIT B10 WATERFORD, CT 06385 | AFLAC | $44 | — | $44 | 0.42% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $25 | — | $25 | 0.24% |
| JOHN K SCHULE3 Filed as: JOHN SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $4 | — | $4 | 0.04% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 20 HARTFORD ROAD, SUITE 22 SALEM, CT 06420 | AFLAC | $384 | — | $384 | 5.48% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $257 | — | $257 | 3.67% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $213 | — | $213 | 3.04% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $84 | — | $84 | 1.20% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $75 | — | $75 | 1.07% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $74 | — | $74 | 1.06% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $49 | — | $49 | 0.70% |
| JOHN K SCHULE3 Filed as: JOHN SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $11 | — | $11 | 0.16% |
| TYLER GRACEY3 | 22 MINER LANE, UNIT B10 WATERFORD, CT 06385 | AFLAC | $9 | — | $9 | 0.13% |
| RICE, DAVIS, DAILEY AND KRENZ, INC.3 | 50 WASHINGTON STREET MIDDLETOWN, CT 06457 | AFLAC | $8 | — | $8 | 0.11% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $6 | — | $6 | 0.09% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(7 contracts, 2 carriers) | AFLAC | 222 | $118K |
| Short-term disability(6 contracts) | AFLAC | 30 | $99K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 96 | $444K |
| Other(8 contracts, 3 carriers) | AFLAC | 222 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.