| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $109K | $112K | 3.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 9.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE INSURANCE COMPANY OF CANADA | $869 | $3K | $4K | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | SUN LIFE INSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 2.60% |
| WILLIAM WHICHER3 | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $816 | $0 | $816 | 2.77% |
| BARBARA FONTI3 Filed as: BARBARA A. FONTI | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $672 | $0 | $672 | 2.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $663 | $0 | $663 | 2.25% |
| PATRICK R RUHLE3 Filed as: PATRICK R. RUHLE | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $451 | $0 | $451 | 1.53% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $101 | $0 | $101 | 0.34% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J. TARI | 80 NORTH CENTRE AVENUE APARTMENT PH416 ROCKVILLE CENTRE, NY 11550 | AFLAC | $49 | $0 | $49 | 0.17% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J. TARI | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $27 | $0 | $27 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $3.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $3.4M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $3.1M |
| Life insurance | SUN LIFE INSURANCE COMPANY OF CANADA | 173 | $124K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF CANADA | 173 | $153K |
| Long-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 173 | $124K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $3.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF CANADA | 173 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.