| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUDITH M BARRY3 | 1 MICHAEL DR EAST HAMPTON, CT 06424 | AFLAC | $12K | $26 | $12K | 8.06% |
| ALYSON M WHEELER3 | 228 HIGH ST BALTIC, CT 06330 | AFLAC | $7K | $34 | $7K | 4.28% |
| DEBRA DALY3 Filed as: DEBRA L DALY | 338 READ SCHOOL HOUSE RD COVENTRY, RI 02816 | AFLAC | $4K | $10 | $4K | 2.64% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $3K | $10 | $3K | 1.70% |
| SCOTT B KOHLMANN3 | 6062 KELLY RD FLUSHING, MI 48433 | AFLAC | $708 | — | $708 | 0.46% |
| JOSE MANUEL RODRIGUEZ3 | 9306 N BRAY RD CLIO, MA 48420 | AFLAC | $697 | — | $697 | 0.45% |
| KURT M SALZANO3 | 1331 THAYER RD ORTONVILLE, MI 48462 | AFLAC | $467 | — | $467 | 0.30% |
| WILLIAM T MORLEY3 | 2450 ANNA WAY ELGIN, IL 60124 | AFLAC | $233 | — | $233 | 0.15% |
| RICHARD P SOMMERS3 | 861 AUGUSTA DR ROCHESTER, MI 48309 | AFLAC | $223 | — | $223 | 0.15% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $219 | — | $219 | 0.14% |
| VICTOR REYES3 | 5 GENEST ST MERIDEN, CT 06450 | AFLAC | $203 | — | $203 | 0.13% |
| JENNIFER L GLANN3 | 331 W RIVER RD FLUSHING, MI 48422 | AFLAC | $191 | — | $191 | 0.12% |
| LYNN R CONNELLY3 | 275 PINE GROVE RD SOUTHERN PINES, NC 28387 | AFLAC | $180 | — | $180 | 0.12% |
| MARK R DECKARD3 | 7718 CRYSTAL COVE PT MAINEVILLE, OH 45039 | AFLAC | $120 | — | $120 | 0.08% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS RD MADISON, CT 06443 | AFLAC | $104 | — | $104 | 0.07% |
| KEN MAJOR3 Filed as: KEN L MAJOR | 2211 MICHELSON DR, STE 1150 IRVINE, CA 92612 | AFLAC | $95 | — | $95 | 0.06% |
| MELISSA A SCHOFIELD3 | 5552 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $88 | — | $88 | 0.06% |
| FRED A LUCIANO JR3 | 23 SPRING VALLEY RD WOODBRIDGE, CT 06525 | AFLAC | $86 | — | $86 | 0.06% |
| JOHN W BRADY3 | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AFLAC | $80 | — | $80 | 0.05% |
| ALLAN L JONES III3 | 26213 PALACE LN UNIT 201 BONITA SPRINGS, FL 34135 | AFLAC | $76 | — | $76 | 0.05% |
| GARLAND GRAZIER3 Filed as: GARLAND R GRAZIER | 3051 N HINTZ RD OWOSSO, MI 48867 | AFLAC | $52 | — | $52 | 0.03% |
| PETER JAMES SARANTIS3 | 5509 SNOWBRUSH DR ROCKLIN, CA 95677 | AFLAC | $47 | — | $47 | 0.03% |
| STEPHANIE L KESSELRING3 | 10181 114TH TER LARGO, FL 33773 | AFLAC | $44 | — | $44 | 0.03% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MA 49615 | AFLAC | $43 | — | $43 | 0.03% |
| TRECIA J BRADY3 | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AFLAC | $37 | — | $37 | 0.02% |
| PHIL W HARRELL3 | 3257 7 LKS W WEST END, NC 27376 | AFLAC | $28 | — | $28 | 0.02% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $26 | — | $26 | 0.02% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $22 | — | $22 | 0.01% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, WI 49615 | AFLAC | $22 | — | $22 | 0.01% |
| GREG K BEST3 | 3487 S LINDEN RD, STE Z FLINT, MI 48507 | AFLAC | $22 | — | $22 | 0.01% |
| JOEL B KARAS3 | 130 PARSONS ST BRIGHTON, MA 02135 | AFLAC | $21 | — | $21 | 0.01% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $13 | — | $13 | 0.01% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $13 | — | $13 | 0.01% |
| KIMBERLY HILDEN3 Filed as: KIMBERLY G HILDEN | 7461 W MOUNT MORRIS RD FLUSHING, MI 48433 | AFLAC | $13 | — | $13 | 0.01% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $13 | — | $13 | 0.01% |
| MARISOL RODRIGUEZ3 | 4411 SOPHIA WAY NORTH LAS VEGAS, NV 89032 | AFLAC | $12 | — | $12 | 0.01% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER AVE STE 110 PMB 292 BRIGHTON, MI 48116 | AFLAC | $12 | — | $12 | 0.01% |
| EVAN D CROSS3 | 100 ALLERTON RD MILTON, MA 02186 | AFLAC | $12 | — | $12 | 0.01% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $8 | — | $8 | 0.01% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $7 | — | $7 | 0.00% |
| CHRISTIAN PAUL VIRZI3 | 34 BLACK BEAR DR, UNIT 1101 WALTHAM, MA 02451 | AFLAC | $6 | — | $6 | 0.00% |
| JOHN K SCHULE3 | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $5 | — | $5 | 0.00% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES C SNIDER JR3 | 4105 MILLSTREAM RD DENVER, NC 28037 | AFLAC | $4 | — | $4 | 0.00% |
| CHRISTOPHER S AUSTERMANN3 | 41 NEW LONDON TURNPIKE, #B GLASTONBURY, CT 06033 | AFLAC | $4 | — | $4 | 0.00% |
| ROBERT JAMES LAMB3 | 53 RIDGEWOOD DR STOW, MA 01775 | AFLAC | $4 | — | $4 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $3 | — | $3 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $3 | — | $3 | 0.00% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MA 49250 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES BULLOCK3 | 6144 W LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $1 | — | $1 | 0.00% |
| HEIDI E GLAUB3 | 4404 SAIANT ANDREWS ST HOWELL, MI 48843 | AFLAC | $1 | — | $1 | 0.00% |
| JUDITH M BARRY3 Filed as: JUDITH BARRY | 1 MICHAEL DRIVE EAST HAMPTON, CT 06424 | NEW YORK LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| DISABILITY RMS5 | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 041066914 | NEW YORK LIFE INSURANCE COMPANY | — | $5K | $5K | 14.00% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 158 | $38K |
| Other | AFLAC | 112 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.