| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG &BUCKELEW | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | AETNA LIFE INSURANCE CO. | — | $5K | $5K | 1.20% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | DAVIS VISION (HM LIFE INSURANCE COMPANY) | $12K | — | $12K | 5.00% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $30K | $4K | $34K | 18.87% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | AFLAC | $20K | $1K | $21K | 15.50% |
| MICHAEL USIAK3 | 250 E MAIN STREET FLOOR 2 CLINTON, CT 06413 | AFLAC | $1K | $362 | $2K | 1.11% |
| ROBERT A FELICIANO3 Filed as: ROBERT A. FELICIANO | 3 ARBOR COURT PAWCATUCK, CT 06379 | AFLAC | — | $764 | $764 | 0.56% |
| MICHAEL REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $317 | $362 | $679 | 0.50% |
| ROBERT BURKE3 | P.O. BOX 527 FARMINGTON, CT 06034 | AFLAC | $539 | — | $539 | 0.40% |
| JOHN K SCHULE3 Filed as: JOHN K. SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $352 | — | $352 | 0.26% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 22 SUNNYRIDGE ROAD WAYNE, NJ 07470 | AFLAC | $301 | — | $301 | 0.22% |
| TFC INSURANCE AGENCY INC3 Filed as: TFC INSURANCE AGENCY INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | AFLAC | $93 | — | $93 | 0.07% |
| ROBERT O'LEARY3 | 41 ABERDEEN CIRCLE FLEMINGTON, NJ 08822 | AFLAC | $29 | — | $29 | 0.02% |
| ROBERT C. BRENTARI3 | 2 PRINCESS ROAD LAWRENCEVILLE, NJ 08648 | AFLAC | $26 | — | $26 | 0.02% |
| WALTER C. DANDRIDGE3 | 65 STRATTON DRIVE TRENTON, NJ 08690 | AFLAC | $19 | — | $19 | 0.01% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $6 | — | $6 | 0.00% |
| LOUIS R FAIOLA3 Filed as: LOUIS R. FAIOLA | 12 HAAWK CT. DELMAR, NY 12054 | AFLAC | $4 | — | $4 | 0.00% |
| TRECIA J BRADY3 Filed as: TRECIA J. BRADY | 71 NUTMEG CT. MIDDLETOWN, CT 06457 | AFLAC | $3 | — | $3 | 0.00% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 060340527 | RELIASTAR LIFE INSURANCE COMPANY | $8K | — | $8K | 6.06% |
| HARTSTEIN ASSOCIATES3 | C/O HARTSTEIN ASSOCIATES, INC. 31 MOUNTAIN BLVD., BUILDING P WARREN, NJ 070595647 | RELIASTAR LIFE INSURANCE COMPANY | $310 | — | $310 | 0.23% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O.BOX 527 FARMINGTON, CT 06034 | COUNTRYWIDE ENTERPRISES, INC. | $2K | — | $2K | 20.00% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | AFLAC | $901 | — | $901 | 11.46% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $342 | — | $342 | 4.35% |
| HAROLD PAEZ3 | 8 BEACHWOOD GROVE BROOKFIELD, CT 06804 | AFLAC | $187 | — | $187 | 2.38% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $165 | — | $165 | 2.10% |
| LOUIS FAIOLA3 Filed as: LOUIS R. FAILOA | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $160 | — | $160 | 2.04% |
| L.T.F. ENTERPRISES, INC.3 | 112 TOWN CENTER DRIVE WARREN, NJ 07059 | AFLAC | $38 | — | $38 | 0.48% |
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 | 2,370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,680 | $461K |
| Vision | DAVIS VISION (HM LIFE INSURANCE COMPANY) | 5,171 | $239K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 340 | $189K |
| Short-term disability(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE | 323 | $322K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,680 | $406K |
| Other(4 contracts, 3 carriers) | AFLAC | 340 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,171 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.