| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 | PO BOX 9017 WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $20K | — | $20K | 0.98% |
| STERLING AND STERLING, INC.3 | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 8.27% |
| STERLING AND STERLING, INC.3 | PO BOX 9017 WOODBURY, NY 11797 | AFLAC | $2K | — | $2K | 4.38% |
| SHARON NEIMANIS3 | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $1K | — | $1K | 3.15% |
| CHRISTOPHER E MOORE3 Filed as: CHRISTOPHER MOORE AND OTHER AGENTS | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $1K | — | $1K | 3.14% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 255 SOUTH 13TH STREET, SUITE 1 LINDENHURST, NY 11757 | AFLAC | $892 | — | $892 | 2.28% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $632 | — | $632 | 1.62% |
| KATHRYN M RUHLE3 Filed as: KATHRYN M. RUHLE | 102 BILTMORE BOULEVARD MASSAPEQUA, NY 11758 | AFLAC | $527 | — | $527 | 1.35% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $216 | — | $216 | 0.55% |
| CHARLES LIPPMAN4 | 3044 BOND DRIVE MERRICK, NY 11566 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $92 | — | $92 | 5.70% |
| WALTER POPPE4 | 1002 AUBURN STREET FRANKLIN SQUARE, NY 11010 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 1.43% |
| CRAIG M. SWIFT4 | 200 EAST 64TH STREET, SUITE 20 NEW YORK, NY 10065 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $11 | — | $11 | 0.68% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 290 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $87K |
| Vision | EYEMED VISION CARE | 201 | $13K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 193 | $71K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 193 | $120K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 193 | $120K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 290 | $2.1M |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 193 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.