| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | DAVIS VISION (HM LIFE INSURANCE COMPANY) | $11K | — | $11K | 5.00% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $727 | $21K | 13.21% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | AFLAC | $12K | — | $12K | 10.07% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $911 | $63 | $974 | 0.82% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 932 E VOLK LN SAN TAN VALLEY, AZ 85140 | AFLAC | $783 | $63 | $846 | 0.72% |
| ROBERT BURKE3 | P.O. BOX 527 FARMINGTON, CT 06034 | AFLAC | $470 | — | $470 | 0.40% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 22 SUNNYRIDGE ROAD WAYNE, NJ 07470 | AFLAC | $253 | — | $253 | 0.21% |
| JOHN K SCHULE3 Filed as: JOHN SCHULE | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $233 | — | $233 | 0.20% |
| MICHAEL REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $169 | — | $169 | 0.14% |
| TFC INSURANCE AGENCY INC3 Filed as: TFC INSURANCE AGENCY INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | AFLAC | $114 | — | $114 | 0.10% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER AUSTERMANN | 148 EASTERN BLVD GLASTONBURY, CT 06033 | AFLAC | $112 | — | $112 | 0.09% |
| ROBERT O'LEARY3 | 41 ABERDEEN CIRCLE FLEMINGTON, NJ 08822 | AFLAC | $29 | — | $29 | 0.02% |
| ROBERT BRENTARI3 | 2 PRINCESS ROAD LAWRENCEVILLE, NJ 08648 | AFLAC | $26 | — | $26 | 0.02% |
| WALTER C. DANDRIDGE3 | 65 STRATTON DRIVE TRENTON, NJ 08690 | AFLAC | $19 | — | $19 | 0.02% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 060340527 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 3.47% |
| HARTSTEIN ASSOCIATES3 | C/O HARTSTEIN ASSOCIATES, INC. 31 MOUNTAIN BLVD., BUILDING P WARREN, NJ 070595647 | RELIASTAR LIFE INSURANCE COMPANY | $272 | — | $272 | 0.25% |
| THE FARMINGTON COMPANY3 | P.O. BOX 527 FARMINGTON, CT 060340527 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 21.11% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | AETNA LIFE INSURANCE CO. | — | $12K | $12K | 17.51% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | AFLAC | $768 | — | $768 | 11.71% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $267 | — | $267 | 4.07% |
| HAROLD PAEZ3 | 8 BEACHWOOD GROVE BROOKFIELD, CT 06804 | AFLAC | $148 | — | $148 | 2.26% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $136 | — | $136 | 2.07% |
| LOUIS FAIOLA3 Filed as: LOUIS R. FAILOA | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $133 | — | $133 | 2.03% |
| L.T.F. ENTERPRISES, INC.3 | 112 TOWN CENTER DRIVE WARREN, NJ 07059 | AFLAC | $32 | — | $32 | 0.49% |
| MUNCIE ALAN RUSSELL3 Filed as: MUNCIE A RUSSELL | 1829 SENATE ST APT 8D COLUMBIA, SC 29201 | AFLAC | $5 | — | $5 | 0.08% |
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 | 2,247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 205 | $125K |
| Dental | AETNA LIFE INSURANCE CO. | 470 | $68K |
| Vision | DAVIS VISION (HM LIFE INSURANCE COMPANY) | 5,641 | $217K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 238 | $188K |
| Short-term disability(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 319 | $282K |
| Other(6 contracts, 5 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 319 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,641 | — |
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."
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.