| 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) | $12K | — | $12K | 5.00% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $3K | $29K | 16.59% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 300 EXECUTIVE DR. STE 360 WEST ORANGE, NJ 07052 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | TRANSAMERICA LIFE INSURANCE COMPANY | $50K | — | $50K | 38.53% |
| AGIS NETWORK INC3 | 2122 KRATKY RD SAINT LOUIS, MO 63114 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.10% |
| TARGET INSURANCE SVCS OF PA LLC3 | 1023 MUMMA RD STE 202 LEMOYNE, PA 17043 | TRANSAMERICA LIFE INSURANCE COMPANY | $867 | — | $867 | 0.85% |
| CELISSE R LUNDY3 | 55 KENSINGTON DR MOUNT HOLLY, NJ 08060 | TRANSAMERICA LIFE INSURANCE COMPANY | $615 | — | $615 | 0.60% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED LTC INS SVCS LLC | 425 W BROADWAY STE 205 GLENDALE, CA 91204 | TRANSAMERICA LIFE INSURANCE COMPANY | $411 | — | $411 | 0.40% |
| LIBRA INSURANCE PARTNERS3 | PO BOX 412942 KANSAS CITY, MO 64141 | TRANSAMERICA LIFE INSURANCE COMPANY | $55 | — | $55 | 0.05% |
| THE FARMINGTON COMPANY3 | C/O THE FARMINGTON COMPANY PO BOX 527 FARMINGTON, CT 060340527 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 3.25% |
| HARTSTEIN ASSOCIATES3 | C/O HARTSTEIN ASSOCIATES INC. 31 MOUNTAIN BLVD, BLDG P WARREN, NJ 070595647 | RELIASTAR LIFE INSURANCE COMPANY | $238 | — | $238 | 0.25% |
| FARMINGTON COMPANY INS. SERVICES3 Filed as: FARMINGTON COMPANY, INS SERVICES | P.O. BOX 527 FARMINGTON, CT 06034 | AFLAC | $6K | — | $6K | 8.06% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS RD MADISON, CT 06443 | AFLAC | $337 | $5 | $342 | 0.47% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 11620 N 39TH ST PHOENIX, AZ 85028 | AFLAC | $298 | $5 | $303 | 0.42% |
| ROBERT BURKE3 Filed as: ROBERT J BURKE | P.O. BOX 527 FARMINGTON, CT 06034 | AFLAC | $236 | — | $236 | 0.32% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD WAYNE, NJ 07470 | AFLAC | $154 | — | $154 | 0.21% |
| JOHN K SCHULE3 | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $132 | — | $132 | 0.18% |
| MICHAEL T REYES3 | 185 PLAINS RD STE 200 E MILFORD, CT 06461 | AFLAC | $104 | — | $104 | 0.14% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER AUSTERMANN | 148 EASTERN BLVD GLASTONBURY, CT 06033 | AFLAC | $63 | — | $63 | 0.09% |
| ROBERT O'LEARY3 | 41 ABERDEEN CIR FLEMINGTON, NJ 08822 | AFLAC | $27 | — | $27 | 0.04% |
| ROBERT C. BRENTARI3 Filed as: ROBERT C BRENTARI | 2 PRINCESS RD LAWRENCEVILLE, NJ 08648 | AFLAC | $24 | — | $24 | 0.03% |
| WALTER C. DANDRIDGE3 Filed as: WALTER C DANDRIDGE | 65 STRATTON DRIVE TRENTON, NJ 08690 | AFLAC | $18 | — | $18 | 0.02% |
| LORENZO V CUTAIA3 | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $6 | — | $6 | 0.01% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD 4TH FLR PHILADELPHIA, PA 19125 | AFLAC | $4 | — | $4 | 0.01% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NC 12054 | AFLAC | $3 | — | $3 | 0.00% |
| TRECIA J BRADY3 | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AFLAC | $3 | — | $3 | 0.00% |
| NANCY M ANDERSON3 | 11 CEDAR COURT SOMERS POINT, NJ 08244 | AFLAC | $1 | — | $1 | 0.00% |
| NATIONAL BENEFITS PARTNER LLC3 Filed as: NATIONAL BENEFITS PARTNER | 181 E 5600 S SUITE 240 SALK LAKE CITY, UT 84107 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 2.81% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | ASSURITY LIFE INSURANCE COMPANY | $866 | — | $866 | 1.54% |
| MANAGED BENEFITS STRATEGIES3 | 301 HYDE PARK DOYLESTOWN, PA 18902 | ASSURITY LIFE INSURANCE COMPANY | $420 | — | $420 | 0.75% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 70.79% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DR FARMINGTON, CT 06032 | AFLAC | $593 | — | $593 | 12.21% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $200 | — | $200 | 4.12% |
| HAROLD PAEZ3 | 8 BEACHWOOD GRV BROOKFIELD, CT 06804 | AFLAC | $123 | — | $123 | 2.53% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $102 | — | $102 | 2.10% |
| LOUIS FAIOLA3 Filed as: LOUIS R FAILOA | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $102 | — | $102 | 2.10% |
| L.T.F. ENTERPRISES, INC.3 | 112 TOWN CENTER DR WARREN, NJ 07059 | AFLAC | $25 | — | $25 | 0.51% |
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 | 2,663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 61 | $78K |
| Vision | DAVIS VISION (HM LIFE INSURANCE COMPANY) | 5,866 | $234K |
| Life insurance(4 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 320 | $386K |
| Short-term disability(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 377 | $251K |
| Other(9 contracts, 7 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 377 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,866 | — |
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.