| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $15K | $0 | $15K | 5.44% |
| THOMAS MCKIERNAN3 | 7025 E VIA SOLERI DRIVE, UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $11K | $325 | $11K | 3.98% |
| KAREN BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $10K | $565 | $10K | 3.76% |
| MJ INSURANCE3 Filed as: MICHELLE MRAZIK AND VARIOUS AGENTS | 21 JUNE ROAD NEW MILFORD, CT 06776 | AFLAC | $10K | $428 | $10K | 3.70% |
| FILIPE COELHO3 | 4515 S MCCLINTOCK DRIVE, SUITE 212 TEMPE, AZ 85282 | AFLAC | $4K | $329 | $5K | 1.70% |
| MICHAEL REYES3 | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $1K | $3 | $1K | 0.46% |
| DENISE POIRIER3 | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $1K | $122 | $1K | 0.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $6K | $0 | $6K | 7.55% |
| THOMAS MCKIERNAN3 | 7025 E VIA SOLERI DRIVE, UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $4K | $207 | $4K | 5.77% |
| DENISE POIRIER3 | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $3K | $353 | $4K | 4.85% |
| MJ INSURANCE3 Filed as: STEPHEN WEST AND VARIOUS AGENTS | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $2K | $81 | $3K | 3.46% |
| FRANCIS X MURPHY3 Filed as: FRANCIS MURPHY | 50 LAFAYETTE PLACE, UNIT 21 GREENWICH, CT 06830 | AFLAC | $1K | $166 | $1K | 1.90% |
| KELLY ASSIS3 | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $1K | $148 | $1K | 1.85% |
| FILIPE COELHO3 | 4515 S MCCLINTOCK DRIVE, SUITE 212 TEMPE, AZ 85282 | AFLAC | $1K | $41 | $1K | 1.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $5K | $0 | $5K | 6.81% |
| THOMAS MCKIERNAN3 | 7025 E VIA SOLERI DRIVE, UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $3K | $145 | $4K | 5.19% |
| KATHRYN BAKER3 | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $2K | $236 | $2K | 3.60% |
| MJ INSURANCE3 Filed as: SHELBY THRELOFF AND VARIOUS AGENTS | 145 CHESTNUT HILL ROAD EAST HAMPTON, CT 06424 | AFLAC | $2K | $50 | $2K | 2.87% |
| JEANETTE A. COLE3 Filed as: JEANETTE COLE | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $2K | $138 | $2K | 2.81% |
| FILIPE A COELHO3 Filed as: FILIPE COEHLO | 4515 S MCCLINTOCK DRIVE, SUITE 212 TEMPE, AZ 85282 | AFLAC | $1K | $58 | $2K | 2.22% |
| CLAUDIA OLIVEIRA3 | 209 LANE STREET HAMDEN, CT 06514 | AFLAC | $585 | $93 | $678 | 0.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $3K | $0 | $3K | 5.54% |
| THOMAS MCKIERNAN3 | 7025 E VIA SOLERI DRIVE, UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $3K | $113 | $3K | 4.57% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $2K | $256 | $2K | 4.11% |
| MJ INSURANCE3 Filed as: FILIPE COELHO AND VARIOUS AGENTS | 4515 S MCCLINTOCK DRIVE, SUITE 212 TEMPE, AZ 85282 | AFLAC | $2K | $55 | $2K | 3.62% |
| JANICE MITCHELL SMITH3 | 67 N BISHOP AVENUE BRIDGEPORT, CT 06610 | AFLAC | $1K | $0 | $1K | 2.05% |
| KELLY ASSIS3 | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $740 | $97 | $837 | 1.38% |
| FRANCIS X MURPHY3 Filed as: FRANCIS MURPHY | 50 LAFAYETTE PLACE, UNIT 21 GREENWICH, CT 06830 | AFLAC | $555 | $26 | $581 | 0.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $4K | $0 | $4K | 7.35% |
| THOMAS MCKIERNAN3 | 7025 E VIA SOLERI DRIVE, UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $2K | $81 | $3K | 5.32% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $2K | $90 | $2K | 4.48% |
| MJ INSURANCE3 Filed as: KATHRYN BAKER AND VARIOUS AGENTS | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $2K | $18 | $2K | 3.29% |
| JEANETTE A. COLE3 Filed as: JEANETTE COLE | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $946 | $133 | $1K | 2.26% |
| FILIPE COELHO3 | 4515 S MCCLINTOCK DRIVE, SUITE 212 TEMPE, AZ 85282 | AFLAC | $931 | $40 | $971 | 2.03% |
| MICHAEL P ROLDAN3 Filed as: MICHAEL ROLDAN | 57 W TOWN STREET, UNIT 1E MILFORD, CT 06460 | AFLAC | $480 | $32 | $512 | 1.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $3K | $0 | $3K | 7.91% |
| DENISE POIRIER3 | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $2K | $153 | $3K | 5.87% |
| THOMAS MCKIERNAN3 | 7025 E VIA SOLERI DRIVE, UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $2K | $44 | $2K | 5.08% |
| KENNETH GRAVELINE3 Filed as: KENNETH GRAVELINE AND OTHER AGENTS | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $1K | $4 | $1K | 3.47% |
| ELIZABETH BARTOLUCCI3 | 18 MAPLE DRIVE PROSPECT, CT 06712 | AFLAC | $616 | $0 | $616 | 1.44% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $490 | $0 | $490 | 1.14% |
| JOHN J. ZAWADSKI3 Filed as: JOHN ZAWADSKI | 519 WOODIN STREET HAMDEN, CT 06514 | AFLAC | $421 | $0 | $421 | 0.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $416 | $3K | 8.35% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $2K | $190 | $2K | 10.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $2K | $0 | $2K | 10.02% |
| THOMAS MCKIERNAN3 | 7025 E VIA SOLERI DRIVE, UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $1K | $63 | $1K | 6.39% |
| FRANCIS X MURPHY3 Filed as: FRANCIS MURPHY | 50 LAFAYETTE PLACE, UNIT 21 GREENWICH, CT 06830 | AFLAC | $503 | $75 | $578 | 3.41% |
| RICHARD SAENZ3 | 657 OLD STRATFIELD ROAD FAIRFIELD, CT 06825 | AFLAC | $111 | $0 | $111 | 0.65% |
| FILIPE COELHO3 | 4515 S MCCLINTOCK DRIVE, SUITE 212 TEMPE, AZ 85282 | AFLAC | $105 | $3 | $108 | 0.64% |
| JANICE MITCHELL SMITH3 | 67 N BISHOP AVENUE BRIDGEPORT, CT 06610 | AFLAC | $103 | $0 | $103 | 0.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVENUE MERIDEN, CT 06450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | $0 | $180 | 1.50% |
| MJ INSURANCE3 Filed as: MICHAEL ROBERTS AND VARIOUS AGENTS | 110 LIMERICK ROAD FAIRFIELD, CT 06824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | $0 | $87 | 0.73% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | $0 | $82 | 0.68% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.26% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.24% |
| CHRIS S. AUSTERMANN3 | 1480 EASTERN BOULEVARD, SUITE 403 GLASTONBURY, CT 06033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.11% |
| JOHN K SCHULE3 Filed as: JOHN K. SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.11% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $796 | $73 | $869 | 7.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $842 | $0 | $842 | 7.30% |
| THOMAS MCKIERNAN3 | 9 MARINO COURT MILFORD, CT 06460 | AFLAC | $574 | $39 | $613 | 5.32% |
| MJ INSURANCE3 Filed as: MICHAEL REYES AND VARIOUS AGENTS | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $205 | $3 | $208 | 1.80% |
| FILIPE COELHO3 | 4515 S MCCLINTOCK DRIVE, SUITE 212 TEMPE, AZ 85282 | AFLAC | $184 | $11 | $195 | 1.69% |
| KATHRYN BAKER3 | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $97 | $15 | $112 | 0.97% |
| JEANETTE A. COLE3 Filed as: JEANETTE COLE | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $66 | $40 | $106 | 0.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $307 | $0 | $307 | 4.04% |
| THOMAS MCKIERNAN3 | 7025 E VIA SOLERI DRIVE, UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $248 | $0 | $248 | 3.26% |
| CHRISTOPHER MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $183 | $0 | $183 | 2.41% |
| MJ INSURANCE Filed as: STEPHEN WEST AND VARIOUS AGENTS | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $122 | $0 | $122 | 1.60% |
| FILIPE COELHO3 | 4515 S MCCLINTOCK DRIVE, SUITE 212 TEMPE, AZ 85282 | AFLAC | $90 | $0 | $90 | 1.18% |
| DENISE POIRIER3 | 41 BENZ STREET ANSONIA, CT 06702 | AFLAC | $77 | $0 | $77 | 1.01% |
| DARREN SPAIN3 | 45 FREIGHT STREET, 1 129 WATERBUURY, CT 06702 | AFLAC | $67 | $0 | $67 | 0.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $615 | $0 | $615 | 8.16% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $541 | $5 | $546 | 7.24% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS MCKEIRNAN | 7025 E VIA SOLERI DRIVE, UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $336 | $3 | $339 | 4.50% |
| FRANCIS X MURPHY3 Filed as: FRANCIS MURPHY | 50 LAFAYETTE PLACE, UNIT 21 GREENWICH, CT 06830 | AFLAC | $237 | $14 | $251 | 3.33% |
| MJ INSURANCE3 Filed as: DARRIN SPAIN AND VARIOUS AGENTS | 45 FREIGHT STREET, UNIT 1 129 WATERBURY, CT 06702 | AFLAC | $125 | $0 | $125 | 1.66% |
| KENNETH GRAVELINE3 | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $40 | $0 | $40 | 0.53% |
| PAUL M WALSH3 Filed as: PAUL WALSH | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $28 | $0 | $28 | 0.37% |
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 | 628 | 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) | 629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $41K |
| Short-term disability(10 contracts) | AFLAC | 350 | $614K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.