| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | UNUM GROUP | $0 | $0 | $0 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AETNA LIFE INSURANCE CO. | $16K | $0 | $16K | 3.86% |
| EMERSON REID LLC3 | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 1.08% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY ROAD WESTBURY, NY 11797 | AETNA LIFE INSURANCE CO. | -$1 | $0 | -$1 | -0.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC. | 110 MAIN STREET PUGHKEEPSIE, NY 12601 | AETNA LIFE INSURANCE CO. | -$2 | $0 | -$2 | -0.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 STE 320 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE | $31K | $6K | $37K | 23.62% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $10K | $0 | $10K | 10.10% |
| RICHARD SAENZ3 | 657 OLD STRATFIELD RD FAIRFIELD, RI 06825 | AFLAC | $3K | $219 | $4K | 3.62% |
| IRMA MATILDE WOODARD3 Filed as: IRMA ENCISO ALTAMIRANO | 115 MALTBY STREET SHELTON, CT 06484 | AFLAC | $2K | $305 | $3K | 2.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 306 SADDLE BRROK, NC 07663 | AFLAC | $1K | $0 | $1K | 1.16% |
| THOMAS MCKIERNAN3 | 687 E BROADWAY MILFORD, CT 06460 | AFLAC | $868 | $0 | $868 | 0.87% |
| KELLY ASSIS3 Filed as: KELLY S ASSIS | 3 OAKWOOD AVE APT A21 NORWALK, CT 06850 | AFLAC | $573 | $169 | $742 | 0.74% |
| STEPHEN WEST3 Filed as: STEPHEN E WEST | 5 JANE ST BEACON FALLS, CT 06403 | AFLAC | $684 | $19 | $703 | 0.70% |
| ANTHONY LAKE3 | 16 OVERTON AVE MILFORD, VA 06460 | AFLAC | $504 | $171 | $675 | 0.68% |
| LAURA M ROTHENHAUSEN3 | 1 PAPOOSE HILL RD NEWTON, CT 06470 | AFLAC | $535 | $69 | $604 | 0.60% |
| DAVID J MCCLELLAN3 Filed as: DAVID MAJOR | 4 DEVONSHIRE DR DARIEN, CT 06820 | AFLAC | $496 | $46 | $542 | 0.54% |
| HECTOR ZAYAS3 | 2 WINTER ST ANSONIA, CT 06401 | AFLAC | $496 | $25 | $521 | 0.52% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $404 | $80 | $484 | 0.48% |
| COLIN MCVETTY3 | 449 MARCELLUS RD MINEOLA, NY 11501 | AFLAC | $392 | $49 | $441 | 0.44% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $279 | $46 | $325 | 0.33% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $265 | $49 | $314 | 0.31% |
| KATHRYN P BAKER3 | 15 MEADOWBROOK RD MADISON, CT 06443 | AFLAC | $280 | $0 | $280 | 0.28% |
| BRENDA CEREZO3 | 91 STRAWBERRY HILL AVE STAMFORD, CT 06902 | AFLAC | $233 | $11 | $244 | 0.24% |
| FRANCIS X MURPHY3 | 50 LAFAYETTE PLACE APT 21 GREENWICH, CT 06830 | AFLAC | $156 | $0 | $156 | 0.16% |
| JEFFREY D TORELLO3 | 14 BUSINESS PARK DR STE 8 BRANFORD, CT 06405 | AFLAC | $146 | $0 | $146 | 0.15% |
| PATRICIA CROTEAU3 | 128 CHURCH STREET #2 WALLINGFORD, CT 06492 | AFLAC | $134 | $11 | $145 | 0.15% |
| SHAVONNE D JOHNSON3 | 21 ELM STREET EAST HAVEN, CT 06512 | AFLAC | $111 | $31 | $142 | 0.14% |
| STEVEN BORCHARDT3 | 28 N PLEASANT RISE BROOKFIELD, CT 06804 | AFLAC | $115 | $0 | $115 | 0.12% |
| PEREGRINE CONSULTING LLC3 | 162 BODINE RD BERWYN, PA 19312 | AFLAC | $95 | $0 | $95 | 0.10% |
| ROY CHILDRESS3 Filed as: ROY QUINONES | 109 BOSTON POST RD STE 206 ORANGE, CT 06477 | AFLAC | $83 | $4 | $87 | 0.09% |
| SAMUEL TATUM3 | 117 S BALD HILL RD NEW CANAAN, CT 06840 | AFLAC | $62 | $0 | $62 | 0.06% |
| MICHAEL P ROLDAN3 | 6895 E CAMELBACK RD UNIT 6028 SCOTTSDALE, AZ 85251 | AFLAC | $56 | $0 | $56 | 0.06% |
| KENNETH C GRAVELINE3 | 20 CORRINE DR PROSPECT, CT 06854 | AFLAC | $42 | $0 | $42 | 0.04% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR ATE 205 TEMPE, AZ 85282 | AFLAC | $33 | $0 | $33 | 0.03% |
| DREW ARRIGAN3 | 284 N NASSAU AVE MASSAPEQUI, NY 11758 | AFLAC | $30 | $0 | $30 | 0.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 ATTN KAREN NASH MERIDEN, CT 06450 | AFLAC | $22 | $0 | $22 | 0.02% |
| DENISE POIRIER3 Filed as: DENISE C POIRIER | 116 WEST WALK WEST HAVEN, CT 06516 | AFLAC | $15 | $0 | $15 | 0.02% |
| LESLYE JOHANNA MANZANO GIRON3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $12 | $0 | $12 | 0.01% |
| TANIKA M OXFORD3 | 186 DELAWARE AVE FREEPORT, NY 11520 | AFLAC | $9 | $0 | $9 | 0.01% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $5 | $0 | $5 | 0.01% |
| GAIL ANDERSON3 | 119 HUGHES ST EAST HAVEN, CT 06512 | AFLAC | $3 | $0 | $3 | 0.00% |
| JORDAN NADEL3 | 565 E SWEDESFORD RD STE 218 WAYNE, PA 19087 | AFLAC | $2 | $0 | $2 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $920 | $0 | $920 | 5.53% |
| RICHARD SAENZ3 | 675 OLD STRATFIELD RD FAIRFIELD, CT 06825 | AFLAC | $630 | $167 | $797 | 4.79% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $454 | $0 | $454 | 2.73% |
| ROY CHILDRESS3 Filed as: ROY QUINONES | 175 W SAGEBRUSH ST GILBERT, AZ 85233 | AFLAC | $261 | $93 | $354 | 2.13% |
| HECTOR ZAYAS3 | 2 WINTER ST ANSONIA, CA 06401 | AFLAC | $222 | $58 | $280 | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 306 SADDLE BROOK, NJ 07663 | AFLAC | $237 | $0 | $237 | 1.42% |
| THOMAS MCKIERNAN3 | 687 E BROADWAY MILFORD, CT 06460 | AFLAC | $179 | $0 | $179 | 1.08% |
| JEANETTE A. COLE3 Filed as: JEANETTE A COLE | 185 PLAINS RD STE 108E MILFORD, CT 06461 | AFLAC | $174 | $0 | $174 | 1.05% |
| STEPHEN WEST3 Filed as: STEPHEN E WEST | 5 JANE ST BEACON FALLS, CT 06403 | AFLAC | $144 | $19 | $163 | 0.98% |
| JUSTIN GRIFFEY3 | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | AFLAC | $55 | $13 | $68 | 0.41% |
| COLLIN MCVETTY3 | 449 MARCELLUS RD MINEOLA, NY 11501 | AFLAC | $49 | $12 | $61 | 0.37% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $28 | $12 | $40 | 0.24% |
| MICHAEL P ROLDAN3 | 6895 E CAMELBACK RD UNIT 6028 SCOTTSDALE, AZ 85251 | AFLAC | $33 | $0 | $33 | 0.20% |
| FRANCIS X MURPHY3 | 50 LAFAYETTE PLACE APT 21 GREENWICH, CT 06830 | AFLAC | $17 | $0 | $17 | 0.10% |
| KATHRYN P BAKER3 | 15 MEADOWBROOK RD MADISON, CT 06443 | AFLAC | $12 | $0 | $12 | 0.07% |
| PEREGRINE CONSULTING LLC3 | 162 BODINE DR BERWYN, PA 19312 | AFLAC | $7 | $0 | $7 | 0.04% |
| STEPHEN B GLICK3 | PO BOX 581 ORANGE, CT 06477 | AFLAC | $4 | $0 | $4 | 0.02% |
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 | 315 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 47 | $417K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 315 | $573K |
| Vision | GUARDIAN LIFE INSURANCE | 315 | $156K |
| Short-term disability(2 contracts) | AFLAC | 99 | $117K |
| Stop-loss / reinsurancereinsurance | UNUM GROUP | 299 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.