| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $95K | $651 | $96K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EMBLEMHEALTH | $55K | $0 | $55K | 3.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | $0 | $31K | 9.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 4.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.00% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $2K | $68 | $2K | 4.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 2.63% |
| MJ INSURANCE3 Filed as: BRADLEY RUPPEL AND VARIOUS AGENTS | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 2.47% |
| WILLIAM WHICHER3 | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $629 | $16 | $645 | 1.49% |
| EILEEN M. JOHNSON3 Filed as: EILEEN JOHNSON | 7918 GREENSIDE COURT CHARLOTTE, NC 28277 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $442 | $0 | $442 | 1.02% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $425 | $16 | $441 | 1.02% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $184 | $0 | $184 | 0.43% |
| DELANO PAUL4 | 225 COLEBROOK STREET HARTFORD, CT 06112 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 11.25% |
| A SECURE YOU INC4 Filed as: A SECURE YOU INC. | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 10.07% |
| GALLAGHER BENEFIT SERVICES, INC.4 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $566 | $0 | $566 | 3.55% |
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 | 584 | 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) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 717 | $11.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 410 | $308K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 717 | $9.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $215K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $215K |
| Prescription drug(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 717 | $11.0M |
| Other(5 contracts, 5 carriers) | EMBLEMHEALTH | 1,219 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,219 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.