| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED GROUP BROKERAGE CORP.3 | P.O. BOX 299 MARLBOROUGH, CT 06447 | HCC LIFE INSURANCE COMPANY | $331 | — | $331 | 0.08% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $3K | — | $3K | 9.61% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $2K | — | $2K | 5.96% |
| ANNA J. TRAINO3 | 15 LAKEWOOD ROAD EAST HAMPTON, CT 06424 | AFLAC | $790 | — | $790 | 2.77% |
| SAMUEL TATUM3 | 152 HURLBUTT STREET WILTON, CT 06897 | AFLAC | $389 | — | $389 | 1.36% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $258 | — | $258 | 0.90% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $106 | — | $106 | 0.37% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $88 | — | $88 | 0.31% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $83 | — | $83 | 0.29% |
| TYLER J. GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $72 | — | $72 | 0.25% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE, UNIT 1101 WALTHAM, MA 02451 | AFLAC | $71 | — | $71 | 0.25% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $70 | — | $70 | 0.25% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $9 | — | $9 | 0.03% |
| JOHN K SCHULE3 Filed as: JOHN K. SHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $2 | — | $2 | 0.01% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $2K | — | $2K | 8.38% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $879 | — | $879 | 3.24% |
| ANNA J. TRAINO3 | 15 LAKEWOOD ROAD EAST HAMPTON, CT 06424 | AFLAC | $472 | — | $472 | 1.74% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $297 | — | $297 | 1.10% |
| SAMUEL TATUM3 | 152 HURLBUTT STREET WILTON, CT 06897 | AFLAC | $241 | — | $241 | 0.89% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $179 | — | $179 | 0.66% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $168 | — | $168 | 0.62% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $155 | — | $155 | 0.57% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $62 | — | $62 | 0.23% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $53 | — | $53 | 0.20% |
| MATTHEW G. BOUTOT3 | 146 KITEMAUG ROAD UNCASVILLE, CT 06382 | AFLAC | $15 | — | $15 | 0.06% |
| JOHN K SCHULE3 Filed as: JOHN K. SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $13 | — | $13 | 0.05% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE, UNIT 1101 WALTHAM, MA 02451 | AFLAC | $12 | — | $12 | 0.04% |
| TYLER J. GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $5 | — | $5 | 0.02% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $2K | $33 | $2K | 10.65% |
| ANNA J. TRAINO3 | 15 LAKEWOOD ROAD EAST HAMPTON, CT 06424 | AFLAC | $356 | $8 | $364 | 1.56% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $323 | — | $323 | 1.38% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $215 | — | $215 | 0.92% |
| SAMUEL TATUM3 | 152 HURLBUTT STREET WILTON, CT 06897 | AFLAC | $202 | — | $202 | 0.86% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $146 | — | $146 | 0.62% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $143 | — | $143 | 0.61% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $83 | $7 | $90 | 0.39% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $48 | — | $48 | 0.21% |
| TYLER J. GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $45 | — | $45 | 0.19% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $24 | — | $24 | 0.10% |
| 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% |
| JOHN K SCHULE3 Filed as: JOHN K. SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $10 | — | $10 | 0.04% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 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% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $3 | — | $3 | 0.01% |
| PATRICK R RUHLE3 Filed as: PATRICK R. RUHLE | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $3 | — | $3 | 0.01% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE | 23 W MEADOW ROAD SETAUKET, NY 11733 | AFLAC | $2 | — | $2 | 0.01% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | P.O. BOX 299 MARLBOROUGH, CT 06447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $522 | $108 | $630 | 5.30% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $300 | — | $300 | 2.52% |
| GREGORY LAFLAM3 Filed as: GREGORY J. LAFLAM | 894 PUCKER STREET COVENTRY, CT 06238 | AFLAC | $281 | — | $281 | 2.36% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $127 | — | $127 | 1.07% |
| ANNA J. TRAINO3 | 15 LAKEWOOD ROAD EAST HAMPTON, CT 06424 | AFLAC | $96 | $25 | $121 | 1.02% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $111 | — | $111 | 0.93% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $73 | $25 | $98 | 0.82% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $73 | — | $73 | 0.61% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $60 | — | $60 | 0.50% |
| SAMUEL TATUM3 | 152 HURLBUTT STREET WILTON, CT 06897 | AFLAC | $24 | — | $24 | 0.20% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DRIVE, UNIT 1101 WALTHAM, MA 02451 | AFLAC | $17 | — | $17 | 0.14% |
| TYLER J. GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $16 | — | $16 | 0.13% |
| JOHN K SCHULE3 Filed as: JOHN K. SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $10 | — | $10 | 0.08% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $8 | — | $8 | 0.07% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $995 | — | $995 | 8.72% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $301 | — | $301 | 2.64% |
| ANNA J. TRAINO3 | 15 LAKEWOOD ROAD EAST HAMPTON, CT 06424 | AFLAC | $151 | — | $151 | 1.32% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $110 | — | $110 | 0.96% |
| SAMUEL TATUM3 | 152 HURLBUTT STREET WILTON, CT 06897 | AFLAC | $100 | — | $100 | 0.88% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $74 | — | $74 | 0.65% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $73 | — | $73 | 0.64% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $66 | — | $66 | 0.58% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $56 | — | $56 | 0.49% |
| TYLER J. GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $40 | — | $40 | 0.35% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $34 | — | $34 | 0.30% |
| JOHN K SCHULE3 Filed as: JOHN K. SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $6 | — | $6 | 0.05% |
| GRACEY BENEFIT SOLUTIONS, LLC3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $312 | $26 | $338 | 4.36% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $218 | — | $218 | 2.81% |
| MARY JANE SULLIVAN3 | P.O. BOX 306 SOUTH GLASTONBURY, CT 06073 | AFLAC | $170 | — | $170 | 2.19% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | AFLAC | $78 | — | $78 | 1.01% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $50 | — | $50 | 0.65% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $39 | $6 | $45 | 0.58% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $33 | $6 | $39 | 0.50% |
| ANNA J. TRAINO3 | 15 LAKEWOOD ROAD EAST HAMPTOM, CT 06424 | AFLAC | $16 | — | $16 | 0.21% |
| TYLER J. GRACEY3 | 18 WOODMONT CIRCLE EAST HADDAM, CT 06423 | AFLAC | $15 | — | $15 | 0.19% |
| JOHN K SCHULE3 Filed as: JOHN K. SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $11 | — | $11 | 0.14% |
| SAMUEL TATUM3 | 152 HURLBUTT STREET WILTON, CT 06897 | AFLAC | $10 | — | $10 | 0.13% |
| DAVID SULLIVAN3 Filed as: DAVID W. SULLIVAN | 7 WATER STREET SOUTH GLASTONBURY, CT 06073 | AFLAC | $7 | — | $7 | 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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(7 contracts, 2 carriers) | AFLAC | 197 | $123K |
| Short-term disability(6 contracts) | AFLAC | 32 | $110K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 111 | $407K |
| Other(8 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 197 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.