| 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 | $16K | $0 | $16K | 6.05% |
| MJ INSURANCE3 Filed as: CHRIS MCKIERNAN AND VARIOUS AGENTS | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $11K | $367 | $11K | 4.20% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 6895 EAST CAMELBACK ROAD SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $10K | $349 | $10K | 3.80% |
| KAREN BUCK3 | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $9K | $440 | $9K | 3.40% |
| FILIPE COELHO3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $4K | $205 | $4K | 1.58% |
| KENNETH GRAVELINE3 | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $2K | $141 | $2K | 0.65% |
| ANTHONY LAKE3 | 16 OVERTON AVENUE MILFORD, CT 06460 | AFLAC | $1K | $206 | $1K | 0.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $5K | $0 | $5K | 7.33% |
| THOMAS MCKIERNAN3 | 6895 EAST CAMELBACK ROAD, SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $3K | $167 | $3K | 4.86% |
| DENISE POIRIER3 | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $3K | $315 | $3K | 4.70% |
| MJ INSURANCE3 Filed as: CLAUDIA OLIVEIRA AND VARIOUS AGENTS | 209 LANE STREET HAMDEN, CT 06514 | AFLAC | $3K | $129 | $3K | 3.92% |
| FILIPE COELHO3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $692 | $10 | $702 | 1.04% |
| KELLY ASSIS3 | 16 OVERTON AVENUE MILFORD, CT 06460 | AFLAC | $596 | $43 | $639 | 0.95% |
| ELIZABETH BARTOLUCCI3 | 18 MAPLE DRIVE PROSPECT, CT 06712 | AFLAC | $464 | $132 | $596 | 0.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $3K | $0 | $3K | 5.95% |
| MJ INSURANCE3 Filed as: SHELBY THRELOFF AND VARIOUS AGENTS | 657 OLD STRATFIELD ROAD EAST HAMPTON, CT 06424 | AFLAC | $2K | $10 | $2K | 4.08% |
| KATHRYN P BAKER3 Filed as: KATHRYN P. BAKER | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $1K | $77 | $1K | 2.38% |
| JEANETTE A. COLE3 | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $1K | $94 | $1K | 2.17% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $1K | $3 | $1K | 2.14% |
| FILIPE A COELHO3 | 2155 WEST PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $956 | $21 | $977 | 1.76% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 7025 EAST VIA SOLERI DRIVE UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $679 | $52 | $731 | 1.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $3K | $0 | $3K | 7.18% |
| CHRISTOPHER M. MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $2K | $238 | $2K | 4.99% |
| MJ INSURANCE3 Filed as: SHELBY THRELOFF AND VARIOUS AGENTS | 145 CHESTNUT HILL ROAD EAST HAMPTON, CT 06424 | AFLAC | $2K | $73 | $2K | 4.98% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $1K | $9 | $1K | 2.18% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 2155 WEST PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $902 | $47 | $949 | 1.99% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 7025 EAST VIA SOLERI DRIVE UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $661 | $85 | $746 | 1.57% |
| JEANETTE A. COLE3 | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $416 | $20 | $436 | 0.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $2K | $0 | $2K | 4.99% |
| MJ INSURANCE3 Filed as: KELLY S. ASSIS AND VARIOUS AGENTS | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $2K | $16 | $2K | 4.47% |
| STEPHEN WEST3 Filed as: STEPHEN E. WEST | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $2K | $64 | $2K | 3.99% |
| JANICE MITCHELL SMITH3 | 67 NORTH BISHOP AVENUE BRIDGEPORT, CT 06610 | AFLAC | $2K | $128 | $2K | 3.75% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $993 | $0 | $993 | 2.12% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 7025 EAST VIA SOLERI DRIVE UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $549 | $88 | $637 | 1.36% |
| FRANCIS X MURPHY3 Filed as: FRANCIS X. MURPHY | 50 LAFAYETTE PLACE, SUITE 21 GREENWICH, CT 06830 | AFLAC | $448 | $49 | $497 | 1.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $4K | $0 | $4K | 7.68% |
| MJ INSURANCE3 Filed as: THE GOLD BRANCH AND VARIOUS AGENTS | 6 SAUQUETT LANE SEYMOUR, CT 06483 | AFLAC | $2K | $48 | $2K | 5.27% |
| DENISE POIRIER3 Filed as: DENISE C. POIRIER | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $1K | $229 | $2K | 3.70% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $1K | $24 | $1K | 2.99% |
| ELIZABETH BARTOLUCCI3 | 18 MAPLE DRIVE PROSPECT, CT 06712 | AFLAC | $859 | $213 | $1K | 2.35% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 7025 EAST VIA SOLERI DRIVE UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $560 | $117 | $677 | 1.48% |
| JOHN J. ZAWADSKI3 | 519 WOODIN STREET HAMDEN, CT 06514 | AFLAC | $505 | $0 | $505 | 1.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $360 | $3K | 8.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $3K | $0 | $3K | 9.75% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $2K | $330 | $3K | 9.67% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $2K | $126 | $2K | 5.89% |
| RICHARD SAENZ3 | 657 OLD STRATFIELD ROAD FAIRFIELD, CT 06825 | AFLAC | $914 | $56 | $970 | 3.47% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BEN SOL AND VAR AGENTS | 14 BUSINESS PARK DRIVE 8 SUITE E BRANFORD, CT 06405 | AFLAC | $561 | $0 | $561 | 2.01% |
| JANICE MITCHELL SMITH3 | 67 NORTH BISHOP AVENUE BRIDGEPORT, CT 06610 | AFLAC | $214 | $51 | $265 | 0.95% |
| FRANCIS X MURPHY3 Filed as: FRANCIS MURPHY | 50 LAFAYETTE PLACE, SUITE 21 GREENWICH, CT 06830 | AFLAC | $215 | $48 | $263 | 0.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVENUE MERIDEN, CT 06450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | $0 | $218 | 1.77% |
| MJ INSURANCE3 Filed as: JOHN K. SCHULE AND VARIOUS AGENTS | 102 BLACKWOOD LANE STAMFORD, CT 06903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | $0 | $116 | 0.94% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | $0 | $95 | 0.77% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.32% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.25% |
| MICHAEL REYES3 Filed as: MICHAEL ROBERTS | 110 LIMERICK ROAD FAIRFIELD, CT 06824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.17% |
| CHRIS S. AUSTERMANN3 | 148 EASTERN BOULEVARD, SUITE 403 GLASTONBURY, CT 06033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $858 | $0 | $858 | 7.46% |
| CHRISTOPHER M. MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $772 | $77 | $849 | 7.38% |
| MJ INSURANCE3 Filed as: KATHRYN P. BAKER AND VARIOUS AGENTS | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $360 | $0 | $360 | 3.13% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $248 | $0 | $248 | 2.16% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 2155 WEST PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $204 | $15 | $219 | 1.90% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 7025 EAST VIA SOLERI DRIVE UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $169 | $15 | $184 | 1.60% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 14 BUSINESS PARK DRIVE UNIT 8, SUITE E BRANFORD, CT 06405 | AFLAC | $58 | $0 | $58 | 0.50% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON STREET, 3RD FLOOR MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $912 | $139 | $1K | 9.44% |
| CHRISTOPHER M. MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $327 | $35 | $362 | 5.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $351 | $0 | $351 | 5.24% |
| THOMAS MCKIERNAN3 | 6895 EAST CAMELBACK ROAD, SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $227 | $7 | $234 | 3.50% |
| FILIPE COELHO3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $118 | $7 | $125 | 1.87% |
| MJ INSURANCE3 Filed as: MICHAEL REYES AND VARIOUS AGENTS | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $75 | $0 | $75 | 1.12% |
| DARREN SPAIN3 | 45 FREIGHT STREET SUITE 1 129 WATERBURY, CT 06702 | AFLAC | $50 | $0 | $50 | 0.75% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $31 | $0 | $31 | 0.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $285 | $0 | $285 | 6.23% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $195 | $34 | $229 | 5.00% |
| THOMAS MCKIERNAN3 | 6895 EAST CAMELBACK ROAD, SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $183 | $9 | $192 | 4.19% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BEN SOL AND VAR AGENTS | 14 BUSINESS PARK DRIVE 8 SUITE E BRANFORD, CT 06405 | AFLAC | $89 | $0 | $89 | 1.94% |
| FRANCIS X MURPHY3 Filed as: FRANCIS MURPHY | 50 LAFAYETTE PLACE, SUITE 21 GREENWICH, CT 06830 | AFLAC | $73 | $0 | $73 | 1.59% |
| KENNETH GRAVELINE3 | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $33 | $0 | $33 | 0.72% |
| DAVID SPIRT3 | 109 BOSTON POST ROAD ORANGE, CT 06477 | AFLAC | $24 | $0 | $24 | 0.52% |
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 | 682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $76K |
| Short-term disability(10 contracts) | AFLAC | 367 | $582K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,028 | — |
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.