| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 167 ARCHER RD FACTORYVILLE, PA 18419 | GUARDIAN LIFE INSURANCE | $29K | $3K | $33K | 21.95% |
| ANTHONY BERTRAMI3 | 116 OLYMPUS WAY JUPITER, FL 33477 | GUARDIAN LIFE INSURANCE | $258 | $0 | $258 | 0.17% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $9K | $0 | $9K | 9.29% |
| RICHARD SAENZ3 | 657 OLD STRATFIELD RD FAIRFIELD, RI 06825 | AFLAC | $4K | $434 | $4K | 4.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 306 SADDLE BRROK, NC 07663 | AFLAC | $4K | $0 | $4K | 4.00% |
| STEPHEN WEST3 Filed as: STEPHEN E WEST | 5 JANE ST BEACON FALLS, CT 06403 | AFLAC | $3K | $110 | $3K | 2.91% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST RD STE 6 AND 7 ORANGE, CT 06477 | AFLAC | $1K | $92 | $2K | 1.55% |
| KELLY ASSIS3 Filed as: KELLY S ASSIS | 109 BOSTON POST RD STE 207 ORANGE, CT 06477 | AFLAC | $1K | $0 | $1K | 1.03% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $918 | $27 | $945 | 0.94% |
| JORDAN NADEL3 | 565 E SWEDESFORD RD STE 218 WAYNE, PA 19087 | AFLAC | $731 | $0 | $731 | 0.73% |
| ANTHONY LAKE3 | 16 OVERTON AVE MILFORD, VA 06460 | AFLAC | $658 | $36 | $694 | 0.69% |
| DREW ARRIGAN3 | 35 HUNT PL BETHPAGE, NY 11714 | AFLAC | $563 | $0 | $563 | 0.56% |
| FRANCIS X MURPHY3 | 50 LAFAYETTE PLACE APT 21 GREENWICH, CT 06830 | AFLAC | $360 | $9 | $369 | 0.37% |
| PATRICIA CROTEAU3 | 128 CHURCH STREET #2 WALLINGFORD, CT 06492 | AFLAC | $367 | $0 | $367 | 0.37% |
| HECTOR ZAYAS3 | 2 WINTER ST ANSONIA, CT 06401 | AFLAC | $310 | $0 | $310 | 0.31% |
| JOSE ALEJANDER SANTOS-CRUZ3 | 74 HENDRICK AVE W GLEN COVE, NY 11542 | AFLAC | $267 | $0 | $267 | 0.27% |
| ROY CHILDRESS3 Filed as: ROY QUINONES | 109 BOSTON POST RD STE 206 ORANGE, CT 06477 | AFLAC | $233 | $0 | $233 | 0.23% |
| MICHAEL P ROLDAN3 | 6895 E CAMELBACK RD UNIT 6028 SCOTTSDALE, AZ 85251 | AFLAC | $178 | $0 | $178 | 0.18% |
| COLIN MCVETTY3 | 449 MARCELLUS RD MINEOLA, NY 11501 | AFLAC | $151 | $0 | $151 | 0.15% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $140 | $0 | $140 | 0.14% |
| KENNETH C GRAVELINE3 | 20 CORRINE DR PROSPECT, CT 06854 | AFLAC | $113 | $0 | $113 | 0.11% |
| MICHAEL REYES3 Filed as: MICHAEL TRACY | 535 CONNECTICUT AVE ATE 103 NORWALK, CT 06854 | AFLAC | $88 | $0 | $88 | 0.09% |
| TANIKA M OXFORD3 | 186 DELAWARE AVE FREEPORT, NY 11520 | AFLAC | $72 | $0 | $72 | 0.07% |
| SHARON NEIMANIS3 | 45 OLD OX RD MANHASSET, NY 11030 | AFLAC | $70 | $0 | $70 | 0.07% |
| MICHAEL P ROLDAN3 | 57 W TOWNS ST UNIT 1E MILFORD, CA 06460 | AFLAC | $10 | $54 | $64 | 0.06% |
| FILIPE A COELHO3 | 2155 W PINNACLE PEAK ROAD ATE 205 PHOENIX, AZ 85027 | AFLAC | $60 | $0 | $60 | 0.06% |
| SAMUEL TATUM3 | 117 S BALD HILL RD NEW CANAAN, CT 06840 | AFLAC | $59 | $0 | $59 | 0.06% |
| SHAUN T KONIOR3 | 1410 MITCHEL FIELD WAY GARDEN CITY, NY 11530 | AFLAC | $37 | $0 | $37 | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 ATTN KAREN NASH MERIDEN, CT 06450 | AFLAC | $31 | $0 | $31 | 0.03% |
| DENISE POIRIER3 Filed as: DENISE C POIRIER | 41 BENZ ST ASONIA, CA 06401 | AFLAC | $30 | $0 | $30 | 0.03% |
| CLAUDIA OLIVEIRA3 Filed as: CLAUDIA P OLIVEIRA | 209 LANE STREET HAMDEN, CA 06514 | AFLAC | $26 | $0 | $26 | 0.03% |
| JEANNETTE A COLE3 | 23 CLIFF STREET EAST HAVEN, CT 06512 | AFLAC | $25 | $0 | $25 | 0.02% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $8 | $0 | $8 | 0.01% |
| BRIAN WHITE3 | 6 COWDEN LN CHAPPAQUA, NY 10514 | AFLAC | $2 | $0 | $2 | 0.00% |
| GAIL ANDERSON3 | 119 HUGHES ST EAST HAVEN, CT 06512 | AFLAC | $1 | $0 | $1 | 0.00% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | $0 | $1 | 0.00% |
| RICHARD SAENZ3 | 675 OLD STRATFIELD RD FAIRFIELD, CT 06825 | AFLAC | $2K | $249 | $2K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 306 SADDLE BROOK, NJ 07663 | AFLAC | $2K | $0 | $2K | 4.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $1K | $0 | $1K | 3.11% |
| STEPHEN WEST3 Filed as: STEPHEN E WEST | 5 JANE ST BEACON FALLS, CT 06403 | AFLAC | $835 | $46 | $881 | 2.67% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST RD STE 206-207 ORANGE, CT 06477 | AFLAC | $314 | $0 | $314 | 0.95% |
| MICHAEL P ROLDAN3 | 6895 E CAMELBACK RD UNIT 6028 SCOTTSDALE, AZ 85251 | AFLAC | $216 | $0 | $216 | 0.65% |
| HECTOR ZAYAS3 | 2 WINTER ST ANSONIA, CA 06401 | AFLAC | $208 | $0 | $208 | 0.63% |
| THOMAS MCKIERNAN3 | 7025 E VIA SOLERI DR UNIT 4039 SCOTTSDALE, AZ 85251 | AFLAC | $145 | $30 | $175 | 0.53% |
| JUSTIN GRIFFEY3 | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | AFLAC | $127 | $19 | $146 | 0.44% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $126 | $0 | $126 | 0.38% |
| FRANCIS X MURPHY3 | 50 LAFAYETTE PLACE APT 21 GREENWICH, CT 06830 | AFLAC | $91 | $0 | $91 | 0.28% |
| PEREGRINE CONSULTING LLC3 | 162 BODINE DR BERWYN, PA 19312 | AFLAC | $80 | $0 | $80 | 0.24% |
| KATHRYN P BAKER3 | 15 MEADOWBROOK RD MADISON, CT 06443 | AFLAC | $74 | $4 | $78 | 0.24% |
| STEPHEN B GLICK3 | PO BOX 581 ORANGE, CT 06477 | AFLAC | $50 | $0 | $50 | 0.15% |
| THOMAS P MCKIERNAN3 | 6895 E CAMELBACK RD UNIT 6028 SCOTTSDALE, AZ 85251 | AFLAC | $32 | $0 | $32 | 0.10% |
| MICHAEL P ROLDAN3 | 57 W TOWNS ST UNIT 1E MILFORD, CA 06460 | AFLAC | $29 | $0 | $29 | 0.09% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE | 225 | $150K |
| Vision | GUARDIAN LIFE INSURANCE | 225 | $150K |
| Life insurance | GUARDIAN LIFE INSURANCE | 225 | $150K |
| Short-term disability(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE | 299 | $283K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 314 | $679K |
| Other | GUARDIAN LIFE INSURANCE | 225 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.