| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $15K | $0 | $15K | 5.42% |
| MJ INSURANCE3 Filed as: FILIPE A. COELHO AND VARIOUS AGENTS | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $13K | $41 | $13K | 4.74% |
| KAREN BUCK3 Filed as: KAREN E. BUCK | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $8K | $348 | $9K | 3.07% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | AFLAC | $5K | $19 | $5K | 1.63% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $3K | $59 | $3K | 1.07% |
| JUSTIN M BUCK3 Filed as: JUSTIN M. BUCK | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $3K | $11 | $3K | 1.03% |
| STEPHEN WEST3 Filed as: STEPHEN E. WEST | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $2K | $58 | $2K | 0.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $7K | $0 | $7K | 10.02% |
| DENISE POIRIER3 Filed as: DENISE C. POIRIER AND OTHER AGENTS | 116 WEST WALK WEST HAVEN, CT 06516 | AFLAC | $5K | $0 | $5K | 7.49% |
| DENISE POIRIER3 Filed as: DENISE C. POIRIER | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $2K | $175 | $2K | 3.29% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $1K | $35 | $2K | 2.16% |
| STEPHEN WEST3 Filed as: STEPHEN E. WEST | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $1K | $35 | $1K | 1.52% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | AFLAC | $1K | $0 | $1K | 1.48% |
| KELLY ASSIS3 Filed as: KELLY S. ASSIS | 3 OAKWOOD AVENUE, APARTMENT A21 NORWALK, CT 06850 | AFLAC | $784 | $0 | $784 | 1.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $5K | $0 | $5K | 9.48% |
| MJ INSURANCE3 Filed as: RICHARD SAENZ AND VARIOUS AGENTS | 657 OLD STRATFIELD ROAD FAIRFIELD, CT 06825 | AFLAC | $3K | $0 | $3K | 4.89% |
| JEANNETTE A COLE3 Filed as: JEANNETTE A. COLE | 185 PLAINS ROAD, SUITE 108E MILFORD, CT 06461 | AFLAC | $3K | $42 | $3K | 4.87% |
| KATHRYN P BAKER3 Filed as: KATHRYN P. BAKER | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $2K | $0 | $2K | 3.58% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $1K | $8 | $1K | 2.18% |
| KENNETH C GRAVELINE3 Filed as: KENNETH C. GRAVELINE | 20 CORRINE DRIVE PROSPECT, CT 06712 | AFLAC | $1K | $8 | $1K | 2.04% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | AFLAC | $765 | $0 | $765 | 1.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $3K | $0 | $3K | 7.11% |
| MJ INSURANCE3 Filed as: CHRIS MCKIERNAN AND VARIOUS AGENTS | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $2K | $0 | $2K | 3.98% |
| DENISE POIRIER3 Filed as: DENISE C. POIRIER | 41 BENZ STREET ANSONIA, CT 06401 | AFLAC | $903 | $34 | $937 | 2.26% |
| PATRICIA CROTEAU3 | 128 CHURCH STREET, 2ND FLOOR WALLINGFORD, CT 06492 | AFLAC | $790 | $0 | $790 | 1.90% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $626 | $7 | $633 | 1.52% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | AFLAC | $577 | $0 | $577 | 1.39% |
| STEPHEN WEST3 Filed as: STEPHEN E. WEST | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $474 | $7 | $481 | 1.16% |
| CHRISTOPHER M. MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $3K | $269 | $3K | 7.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 555 PLEASANTVILLE ROAD, SUITE 310N BRIARCLIFF MANOR, NY 10510 | AFLAC | $2K | $0 | $2K | 5.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $2K | $0 | $2K | 5.32% |
| MJ INSURANCE3 Filed as: LISA A. HUGHES AND VARIOUS AGENTS | 104 BOYD DRIVE PROSPECT, CT 06712 | AFLAC | $2K | $23 | $2K | 5.13% |
| FRANK GREGORY PUTNEY3 | 11 BALLAUREL DRIVE GUILFORD, CT 06437 | AFLAC | $893 | $8 | $901 | 2.25% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $604 | $27 | $631 | 1.58% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | AFLAC | $483 | $23 | $506 | 1.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 7.37% |
| STEPHEN WEST3 Filed as: STEPHEN E. WEST | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $4K | $42 | $4K | 14.49% |
| MJ INSURANCE3 Filed as: KAREN E. BUCK AND VARIOUS AGENTS | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $772 | $13 | $785 | 2.72% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $584 | $7 | $591 | 2.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $520 | $0 | $520 | 1.80% |
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DRIVE, SUITE 300 BEDFORD, NH 03110 | AFLAC | $377 | $0 | $377 | 1.30% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | AFLAC | $360 | $2 | $362 | 1.25% |
| JUSTIN M BUCK3 Filed as: JUSTIN M. BUCK | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $183 | $0 | $183 | 0.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $1K | $0 | $1K | 5.54% |
| MJ INSURANCE3 Filed as: JANICE SMITH AND VARIOUS AGENTS | 67 NORTH BISHOP AVENUE BRIDGEPORT, CT 06610 | AFLAC | $1K | $0 | $1K | 4.45% |
| STEPHEN WEST3 Filed as: STEPHEN E. WEST | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $828 | $0 | $828 | 3.48% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | AFLAC | $427 | $0 | $427 | 1.80% |
| HECTOR ZAYAS3 | 2 WINTER STREET ANSONIA, CT 06401 | AFLAC | $397 | $0 | $397 | 1.67% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $290 | $0 | $290 | 1.22% |
| PATRICIA CROTEAU3 | 128 CHURCH STREET, 2ND FLOOR WALLINGFORD, CT 06492 | AFLAC | $134 | $0 | $134 | 0.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $889 | $0 | $889 | 6.71% |
| CHRISTOPHER M. MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $745 | $0 | $745 | 5.62% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | AFLAC | $256 | $8 | $264 | 1.99% |
| MJ INSURANCE3 Filed as: KATHRYN BAKER AND VARIOUS AGENTS | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $178 | $23 | $201 | 1.52% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $119 | $5 | $124 | 0.94% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $95 | $0 | $95 | 0.72% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 14 BUSINESS PARK DRIVE, UNIT 8 SUITE E BRANFORD, CT 06405 | AFLAC | $41 | $0 | $41 | 0.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $315 | $0 | $315 | 4.15% |
| CHRISTOPHER M. MCKIERNAN3 | 9 MARINO DRIVE MILFORD, CT 06460 | AFLAC | $285 | $0 | $285 | 3.76% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | AFLAC | $173 | $0 | $173 | 2.28% |
| MJ INSURANCE3 Filed as: JUSTIN GRIFFEY AND VARIOUS AGENTS | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $117 | $0 | $117 | 1.54% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $92 | $0 | $92 | 1.21% |
| DARREN SPAIN3 | 45 FREIGHT STREET, SUITE 1 129 WATERBURY, CT 06702 | AFLAC | $47 | $0 | $47 | 0.62% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS | 14 BUSINESS PARK DRIVE, UNIT 8 SUITE E BRANFORD, CT 06405 | AFLAC | $44 | $0 | $44 | 0.58% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $181 | $0 | $181 | 4.58% |
| STEPHEN WEST3 Filed as: STEPHEN E. WEST | 5 JANE STREET BEACON FALLS, CT 06403 | AFLAC | $121 | $30 | $151 | 3.82% |
| KAREN BUCK3 Filed as: KAREN E. BUCK | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $124 | $0 | $124 | 3.14% |
| FRANCIS X MURPHY3 Filed as: FRANCIS X. MURPHY | 50 LAFAYETTE PLACE, APARTMENT 21 GREENWICH, CT 06830 | AFLAC | $50 | $68 | $118 | 2.99% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | AFLAC | $65 | $30 | $95 | 2.40% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BEN. AND OTHER AGENTS | 14 BUSINESS PARK DRIVE, UNIT 8 SUITE E BRANFORD, CT 06405 | AFLAC | $86 | $0 | $86 | 2.18% |
| JUSTIN M BUCK3 Filed as: JUSTIN M. BUCK | 71 DEEPWOOD DRIVE MADISON, CT 06443 | AFLAC | $48 | $0 | $48 | 1.21% |
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 | 725 | 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) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 725 | $37K |
| Short-term disability(10 contracts) | AFLAC | 41 | $560K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 725 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.