| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | DAVIS VISION (HM LIFE INSURANCE COMPANY) | $11K | — | $11K | 5.00% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 060340527 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $2K | $22K | 11.62% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 300 EXECUTIVE DRIVE SUITE 360 WEST ORANGE, NJ 07052 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.07% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 060340527 | AFLAC | $11K | — | $11K | 9.86% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS RD MADISON, CT 06443 | AFLAC | $857 | $63 | $920 | 0.82% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 932 E VOLK LN SAN TAN VALLEY, AZ 85140 | AFLAC | $721 | $63 | $784 | 0.70% |
| ROBERT BURKE3 | P.O. BOX 527 FARMINGTON, CT 06034 | AFLAC | $431 | — | $431 | 0.38% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYSIDE RD WAYNE, NJ 07470 | AFLAC | $237 | — | $237 | 0.21% |
| JOHN K SCHULE3 Filed as: JOHN SHULE | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $200 | — | $200 | 0.18% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 11620 N 39TH ST PHOENIX, AZ 85028 | AFLAC | $168 | — | $168 | 0.15% |
| MICHAEL T REYES3 | 185 PLAINS RD STE 200 E MILFORD, CT 06461 | AFLAC | $146 | — | $146 | 0.13% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER AUSTERMANN | 148 EASTERN BLVD GLASTONBURY, CT 06033 | AFLAC | $97 | — | $97 | 0.09% |
| TFC INSURANCE AGENCY INC3 | 30 WATERSIDE DR FARMINGTON, CT 06032 | AFLAC | $38 | — | $38 | 0.03% |
| ROBERT O'LEARY3 | 41 ABERDEEN CIR FLEMINGTON, NJ 08822 | AFLAC | $29 | — | $29 | 0.03% |
| ROBERT BRENTARI3 | 2 PRINCESS RD LAWRENCEVILLE, NJ 08648 | AFLAC | $26 | — | $26 | 0.02% |
| WALTER C. DANDRIDGE3 Filed as: WALTER DANDRIDGE | 65 STRATTON DRIVE TRENTON, NJ 08690 | AFLAC | $19 | — | $19 | 0.02% |
| LORENZO V CUTAIA3 Filed as: LORENZO CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $6 | — | $6 | 0.01% |
| LOUIS FAIOLA3 | 12 HAAWK CT DELMAR, NC 12054 | AFLAC | $4 | — | $4 | 0.00% |
| TRECIA BRADY3 | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AFLAC | $3 | — | $3 | 0.00% |
| NANCY M ANDERSON3 Filed as: NANCY ANDERSON | 11 CEDAR COURT SOMERS POINT, NJ 08244 | AFLAC | $1 | — | $1 | 0.00% |
| AGIS NETWORK INC3 | 2122 KRATKY RD SAINT LOUIS, MO 63114 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.16% |
| TARGET INSURANCE SVCS OF PA LLC3 | 1023 MUMMA RD STE 202 LEMOYNE, PA 17043 | TRANSAMERICA LIFE INSURANCE COMPANY | $914 | — | $914 | 0.87% |
| CELISSE R LUNDY3 | 55 KENSINGTON DR MOUNT HOLLY, NJ 08060 | TRANSAMERICA LIFE INSURANCE COMPANY | $682 | — | $682 | 0.65% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED LTC INS SVCS LLC | 425 W BROADWAY STE 205 GLENDALE, CA 91204 | TRANSAMERICA LIFE INSURANCE COMPANY | $426 | — | $426 | 0.40% |
| BRAMCO INC3 | PO BOX 412942 KANSAS CITY, MO 64141 | TRANSAMERICA LIFE INSURANCE COMPANY | $49 | — | $49 | 0.05% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 060340527 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 3.46% |
| HARTSTEIN ASSOCIATES3 | C/O HARTSTEIN ASSOCIATES, INC. 31 MOUNTAIN BLVD., BUILDING P WARREN, NJ 070595647 | RELIASTAR LIFE INSURANCE COMPANY | $256 | — | $256 | 0.25% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 060340527 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 16.20% |
| NATIONAL BENEFITS PARTNER LLC3 Filed as: NATIONAL BENEFITS PARTNER | 181 E. 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 2.77% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 060340527 | ASSURITY LIFE INSURANCE COMPANY | $882 | — | $882 | 1.50% |
| MANAGED BENEFITS STRATEGIES3 | 301 HYDE PARK DOYLESTOWN, PA 18902 | ASSURITY LIFE INSURANCE COMPANY | $434 | — | $434 | 0.74% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DR FARMINGTON, CT 06034 | AFLAC | $728 | — | $728 | 12.32% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $243 | — | $243 | 4.11% |
| HAROLD PAEZ3 | 8 BEACHWOOD GRV BROOKFIELD, CT 06804 | AFLAC | $150 | — | $150 | 2.54% |
| LOUIS FAIOLA3 Filed as: LOUIS R FAILOA | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $125 | — | $125 | 2.12% |
| MICHAEL S CHILLE3 | 12 ST THOOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $124 | — | $124 | 2.10% |
| L.T.F. ENTERPRISES, INC.3 | 112 TOWN CENTER DR WARREN, NJ 07059 | AFLAC | $32 | — | $32 | 0.54% |
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 | 2,230 | 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) | 2,251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 188 | $118K |
| Dental | AETNA LIFE INSURANCE CO. | 451 | $72K |
| Vision | DAVIS VISION (HM LIFE INSURANCE COMPANY) | 5,815 | $228K |
| Life insurance(4 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 217 | $343K |
| Short-term disability(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 292 | $305K |
| Other(8 contracts, 6 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 292 | $661K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,815 | — |
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.