| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LETTERMAN-GORTZ CORP3 Filed as: LETTERMAN-GORTZ CORPORATION | 350 BEDFORD STREET, SUITE 407 STAMFORD, CT 06901 | AETNA LIFE INSURANCE COMPANY | $102K | — | $102K | 4.55% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $36K | $4K | $40K | 1.77% |
| MICHAEL R. BONAMARTE3 Filed as: MICHAEL BONAMARTE | 22 BAYVIEW DRIVE BROOKFIELD, CT 06804 | AFLAC | $1K | $66 | $1K | 7.58% |
| MJ INSURANCE3 Filed as: MICHAEL REYES AND VARIOUS AGENTS | 185 PLAINS ROAD, SUITE 200E NORWALK, CT 06854 | AFLAC | $207 | — | $207 | 1.25% |
| JOSHUA BALTOR3 | 165 GRAMERCY DRIVE SAN MATEO, CA 94402 | AFLAC | $121 | — | $121 | 0.73% |
| MICHAEL REYES3 Filed as: MICHAEL ROBERTS | 535 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $73 | $13 | $86 | 0.52% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $69 | — | $69 | 0.42% |
| JUSTIN GRIFFEY3 | 535 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $49 | $13 | $62 | 0.38% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $55 | — | $55 | 0.33% |
| MJ INSURANCE3 Filed as: THOMAS MCKIERNAN AND VARIOUS AGENTS | 7025 EAST VIA SOLERI DRIVE UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $602 | $68 | $670 | 5.77% |
| MARILENA K GREIG3 Filed as: MARILENA GREIG | 54 SAINT GEORGE LANE NEW CANAAN, CT 06840 | AFLAC | $563 | — | $563 | 4.85% |
| MICHAEL R. BONAMARTE3 Filed as: MICHAEL BONAMARTE | 22 BAYVIEW DRIVE BROOKFIELD, CT 06804 | AFLAC | $251 | $20 | $271 | 2.33% |
| CHRISTOPHER J ALBRYCHT3 Filed as: CHRISTOPHER ALBRYCHT | 7 CORTE LAGO SANTA ROSA BEACH, FL 32459 | AFLAC | $166 | $49 | $215 | 1.85% |
| RENEE BERMOND3 | 711 LAKE HARBOUR DRIVE APARTMENT 1128 RIDGELAND, MS 39158 | AFLAC | $127 | $63 | $190 | 1.64% |
| ROGER J SASS JR3 Filed as: ROGER SASS, JR. | 5783 PARKWALK DRIVE BOYNTON BEACH, FL 33472 | AFLAC | $120 | $21 | $141 | 1.21% |
| MICHAEL REYES3 Filed as: MICHAEL ROBERTS | 535 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $101 | $4 | $105 | 0.90% |
| LETTERMAN-GORTZ CORP3 Filed as: LETTERMAN-GORTZ CORPORATION | 306 DANBURY ROAD, UNIT 8 WILTON, CT 06897 | VISION SERVICE PLAN | $762 | — | $762 | 7.37% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 287 | $2.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 287 | $2.2M |
| Vision | VISION SERVICE PLAN | 111 | $10K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 287 | $2.2M |
| Short-term disability(2 contracts) | AFLAC | 17 | $28K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 287 | $2.2M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 287 | $2.2M |
| Other | AETNA LIFE INSURANCE COMPANY | 287 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.