| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $12K | $3K | $16K | 5.98% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 WALL, NJ 07719 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $8K | $8K | 2.92% |
| BENEFIT CONSULTING INSURANCE AGENCY3 | 5723 HAMILTON WAY BOCA RATON, FL 33496 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $5K | $5K | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $292 | $0 | $292 | 0.11% |
| JENNIFER SARAH TEPPER3 | 2466 KERRY LANE BELLMORE, NY 11710 | AFLAC | $8K | $109 | $8K | 6.11% |
| S BEIN INC3 Filed as: S. BEIN INC | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $7K | $0 | $7K | 5.79% |
| MICHELLE MONTENEGRO & OTHERS3 | 5 ELYSE DRIVE NEW CITY, NY 10956 | AFLAC | $5K | $11 | $5K | 3.85% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DRIVE NEW CITY, NY 10956 | AFLAC | $4K | $5 | $4K | 3.36% |
| GROE INC3 Filed as: GROE, INC. | 108 JACKSON STREET, APARTMENT 4A HOBOKEN, NJ 07030 | AFLAC | $2K | $5 | $2K | 1.88% |
| DANIELLE FULLICK3 | 6 HARRISON STREET STONY POINT, NY 10980 | AFLAC | $2K | $0 | $2K | 1.61% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 6 BIRCHFIELD COURT CORAM, NY 11727 | AFLAC | $1K | $0 | $1K | 1.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $657 | $0 | $657 | 1.26% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 798 BERRY ROAD NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $467 | $0 | $467 | 0.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $453 | $0 | $453 | 0.87% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOEL MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | FIRST UNUM LIFE INSURANCE COMPANY | $332 | $0 | $332 | 0.64% |
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 | 674 | 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) | 674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 54 | $15K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 650 | $264K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 101 | $52K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 650 | $264K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 650 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.