| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $77K | $0 | $77K | 4.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | $0 | $19K | 7.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINANCE | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 MADISON AVENUE, 28TH FLOOR NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 9.96% |
| ABRAHAM BASH3 | 148 SOUTH FRONT STREET APARTMENT 321 FARMINGDALE, NY 11735 | AFLAC | $5K | $0 | $5K | 5.78% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $4K | $0 | $4K | 5.03% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J. TARI | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $3K | $0 | $3K | 3.54% |
| MJ INSURANCE3 Filed as: DARREN COHEN AND VARIOUS AGENTS | 25 LOUIS DRIVE MELVILLE, NY 11747 | AFLAC | $2K | $8 | $2K | 2.08% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $1K | $0 | $1K | 1.26% |
| PATRICK R RUHLE3 Filed as: PATRICK R. RUHLE | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $988 | $0 | $988 | 1.19% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 100 NW 62ND STREET, SUITE 1020 FORT LAUDERDALE, FL 33309 | AFLAC | $678 | $0 | $678 | 0.82% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $85K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $1.9M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 196 | $251K |
| Short-term disability | AFLAC | 54 | $83K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 196 | $251K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $1.9M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 196 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.