| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL & STERLING EMPLOYEE BENEFI Filed as: MARSHALL AND STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | AETNA LIFE INSUANCE CO. | $22K | — | $22K | 3.92% |
| FNA INSURANCE SERVICES INC Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY ROAD WESTBURY, NY 11797 | AETNA LIFE INSUANCE CO. | $7K | — | $7K | 1.22% |
| EMERSON REID LLC | 167 ARCHER RD FACTORYVILLE, PA 18419 | GUARDIAN LIFE INSURANCE | $29K | $4K | $33K | 22.83% |
| RSC INSURANCE BROKERAGE INC Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $15K | — | $15K | 12.76% |
| RICHARD SAENZ | 657 OLD STRATFIELD RD FAIRFIELD, CT 06825 | AFLAC | $4K | $475 | $5K | 3.91% |
| IRMA MATILDE WOODARD Filed as: IRMA ENCISO ALTAMIRANO | 115 MALTBY ST SHELTON, CT 06484 | AFLAC | $3K | — | $3K | 2.52% |
| MARSH & MCLENNAN AGENCY LLC | 250 PEHLE AVE STE 306 SADDLE BROOK, NJ 07663 | AFLAC | $1K | — | $1K | 1.25% |
| STEPHEN WEST Filed as: STEPHEN E WEST | 5 JANE ST BEACON FALLS, CT 06403 | AFLAC | $1K | $197 | $1K | 1.08% |
| ANTHONY LAKE | 16 OVERTON AVE MILFORD, CT 06460 | AFLAC | $1K | $135 | $1K | 0.98% |
| KELLY ASSIS Filed as: KELLY S ASSIS | 109 BOSTON POST RD STE 207 ORANGE, CT 06477 | AFLAC | $953 | $197 | $1K | 0.97% |
| JUSTIN GRIFFEY | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $666 | $214 | $880 | 0.74% |
| LAURA M ROTHENHAUSEN | 1 PAPOOSE HILL RD NEWTON, CT 06470 | AFLAC | $840 | — | $840 | 0.71% |
| BRENDA CEREZO | 91 STRAWBERRY HILL AVE STAMFORD, CT 06902 | AFLAC | $762 | — | $762 | 0.64% |
| DAVID J MCCLELLAN Filed as: DAVID MAJOR | 4 DEVONSHIRE DR DARIEN, CT 06820 | AFLAC | $736 | — | $736 | 0.62% |
| THOMAS MCKIERNAN | 6895 E CAMELBACK RD SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $717 | — | $717 | 0.60% |
| COLIN MCVETTY | 449 MARCELLUS RD MINEOLA, NY 11501 | AFLAC | $574 | $32 | $606 | 0.51% |
| HECTOR ZAYAS | 2 WINTER ST ANSONIA, CT 06401 | AFLAC | $501 | $41 | $542 | 0.46% |
| PATRICIA CROTEAU | 128 CHURCH STREET #2 WALLINGFORD, CT 06492 | AFLAC | $343 | $140 | $483 | 0.41% |
| MCINERNEY GROUP LLC | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $397 | — | $397 | 0.33% |
| PATRICK RUHLE | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $331 | $46 | $377 | 0.32% |
| DREW ARRIGAN | 284 N NASSAU AVE MASSAPEQUA, NY 11758 | AFLAC | $150 | $162 | $312 | 0.26% |
| JORDAN NADEL | 565 E SWEDESFORD RD STE 218 WAYNE, PA 19087 | AFLAC | $300 | — | $300 | 0.25% |
| ROY CHILDRESS Filed as: ROY QUINONES | 109 BOSTON POST RD STE 206 ORANGE, CT 06477 | AFLAC | $203 | $28 | $231 | 0.19% |
| SHAVONNE D JOHNSON | 21 ELM STREET EAST HAVEN, CT 06512 | AFLAC | $189 | — | $189 | 0.16% |
| STEVEN BORCHARDT | 28 N PLEASANT RISE BROOKFIELD, CT 06804 | AFLAC | $173 | — | $173 | 0.15% |
| FRANCIS X MURPHY | 50 LAFAYETTE PLACE APT 2I GREENWICH, CT 06830 | AFLAC | $113 | $9 | $122 | 0.10% |
| MICHAEL P ROLDAN | 6895 E CAMELBACK RD UNIT 6028 SCOTTSDALE, AZ 85251 | AFLAC | $111 | $9 | $120 | 0.10% |
| MICHAEL REYES Filed as: MICHAEL TRACY | 535 CONNECTICUT AVE STE 103 NORWALK, CT 06854 | AFLAC | $51 | $51 | $102 | 0.09% |
| KENNETH C GRAVELINE | 20 CORRINE DR PROSPECT, CT 06854 | AFLAC | $60 | — | $60 | 0.05% |
| JOSE ALEJANDER SANTOS-CRUZ | 74 HENDRICK AVE W GLEN COVE, NY 11542 | AFLAC | $50 | — | $50 | 0.04% |
| FILIPE A COELHO | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $39 | — | $39 | 0.03% |
| TAMIKA M OXFORD | 186 DELAWARE AVE FREEPORT, NY 11520 | AFLAC | $23 | $13 | $36 | 0.03% |
| USI INSURANCE SERVICES LLC | PO BOX 1040 ATTN KAREN NASH MERIDEN, CT 06450 | AFLAC | $24 | — | $24 | 0.02% |
| SHARON NEIMANIS | 45 OLD OX RD MANHASSET, NY 11030 | AFLAC | $16 | — | $16 | 0.01% |
| SAMUEL TATUM | 14 POWDER HORN HILL RD WILTON, CT 06897 | AFLAC | $6 | $10 | $16 | 0.01% |
| SAMUEL TATUM | 117 S BALD HILL RD NEW CANAAN, CT 06840 | AFLAC | $12 | — | $12 | 0.01% |
| DENISE POIRIER Filed as: DENISE C POIRIER | 116 WEST WALK WEST HAVEN, CT 06516 | AFLAC | $12 | — | $12 | 0.01% |
| SHAUN T KONIOR | 1410 MITCHEL FIELD WAY GARDEN CITY, NY 11530 | AFLAC | $9 | — | $9 | 0.01% |
| DENISE POIRIER Filed as: DENISE C POIRIER | 41 BENZ ST ANSONIA, CT 06401 | AFLAC | $9 | — | $9 | 0.01% |
| JEANNETTE A COLE | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $8 | — | $8 | 0.01% |
| DREW ARRIGAN | 35 HUNT PLACE BETHPAGE, NY 11714 | AFLAC | $7 | — | $7 | 0.01% |
| GAIL ANDERSON | 119 HUGHES ST EAST HAVEN, CT 06512 | AFLAC | $3 | — | $3 | 0.00% |
| KENNETH C MEIER CORP | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN WHITE | 6 COWDEN LN CHAPPAQUA, NY 10514 | AFLAC | $1 | — | $1 | 0.00% |
| BENITO A ROTONDI II INC | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| RSC INSURANCE BROKERAGE INC Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $2K | — | $2K | 8.51% |
| RICHARD SAENZ | 657 OLD STRATFIELD RD FAIRFIELD, CT 06825 | AFLAC | $1K | $113 | $1K | 4.57% |
| ROY CHILDRESS Filed as: ROY QUINONES | 175 W SAGEBRUSH ST GILBERT, AZ 85233 | AFLAC | $407 | $235 | $642 | 2.60% |
| HECTOR ZAYAS | 2 WINTER ST ANSONIA, CT 06401 | AFLAC | $511 | $24 | $535 | 2.17% |
| MARSH & MCLENNAN AGENCY LLC | 250 PEHLE AVE STE 306 SADDLE BROOK, NJ 07663 | AFLAC | $500 | — | $500 | 2.02% |
| STEPHEN WEST Filed as: STEPHEN E WEST | 5 JANE ST BEACON FALLS, CT 06403 | AFLAC | $292 | $33 | $325 | 1.32% |
| ROY CHILDRESS Filed as: ROY QUINONES | 23 ALPINE DRIVE EAST HAVEN, CT 06512 | AFLAC | $129 | — | $129 | 0.52% |
| MICHAEL P ROLDAN | 6895 E CAMELBACK RD UNIT 6028 SCOTTSDALE, AZ 85251 | AFLAC | $122 | — | $122 | 0.49% |
| JUSTIN GRIFFEY | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | AFLAC | $101 | $17 | $118 | 0.48% |
| THOMAS MCKIERNAN | 109 BOSTON POST RD STE 206-207 ORANGE, CT 06477 | AFLAC | $116 | — | $116 | 0.47% |
| COLLIN MCVETTY | 449 MARCELLUS RD MINEOLA, NY 11501 | AFLAC | $82 | — | $82 | 0.33% |
| THOMAS MCKIERNAN | 6895 E CAMELBACK RD SUITE 102 SCOTTSDALE, AZ 85251 | AFLAC | $68 | — | $68 | 0.28% |
| PATRICK RUHLE | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $44 | — | $44 | 0.18% |
| PEREGRINE CONSULTING LLC | 162 BODINE RD BERWYN, PA 19312 | AFLAC | $31 | — | $31 | 0.13% |
| STEPHEN B GLICK | PO BOX 581 ORANGE, CT 06477 | AFLAC | $30 | — | $30 | 0.12% |
| KATHRYN P BAKER | 15 MEADOWBROOK RD MADISON, CT 06443 | AFLAC | $27 | — | $27 | 0.11% |
| FRANCIS X MURPHY | 50 LAFAYETTE PLACE APT 2I GREENWICH, CT 06830 | AFLAC | $9 | — | $9 | 0.04% |
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 | 290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSUANCE CO. | 66 | $560K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSUANCE CO. | 290 | $705K |
| Vision | GUARDIAN LIFE INSURANCE | 290 | $145K |
| Short-term disability(2 contracts) | AFLAC | 250 | $144K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 389 | $744K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.