| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOC LLC | 100 WOOD AVE S 4TH FLR ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | $0 | $52K | 4.13% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS | 50 MAIN STREET SUITE 320 WHITE PLAINS, NY 10606 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 1.14% |
| ADAM ROSENFELD3 Filed as: ADAM S ROSENFELD | 125 BAYLIS ROAD SUITE 300 MELVILLE, NY 11747 | CALIFORNIA PHYSICIANS' SERVICE | $7K | $0 | $7K | 2.56% |
| S BEIN INC3 Filed as: S BEIN INC. | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $2K | $0 | $2K | 7.27% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOC LLC | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 11747 | AFLAC | $175 | $0 | $175 | 0.51% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $155 | $0 | $155 | 0.45% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $155 | $0 | $155 | 0.45% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $146 | $0 | $146 | 0.43% |
| MICHELLE MONTENEGRO3 | 5 ELYSE DR NEW CITY, NY 10956 | AFLAC | $113 | $25 | $138 | 0.40% |
| TOOD BURKE3 | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $137 | $0 | $137 | 0.40% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DR NEW CITY, NY 10956 | AFLAC | $105 | $19 | $124 | 0.36% |
| BRUCE GHESSI3 | 4 JANET LN COMMACK, NY 11725 | AFLAC | $91 | $0 | $91 | 0.27% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 35 PINELAWN RD SUITE 190 MELVILLE, NY 11747 | AFLAC | $76 | $0 | $76 | 0.22% |
| ROBIN BEINHORN3 | 8676 SW CARRARA WAY PORT SAINT LUCIE, FL 34987 | AFLAC | $71 | $0 | $71 | 0.21% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST SUITE 8C NEW YORK, NY 10005 | AFLAC | $44 | $0 | $44 | 0.13% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR. NEW ROCHELLE, NY 10804 | AFLAC | $34 | $9 | $43 | 0.13% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $21 | $0 | $21 | 0.06% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $21 | $0 | $21 | 0.06% |
| BARBARA FONTI3 | P.O. BOX 2214 HUNTINGTON, NY 11743 | AFLAC | $20 | $0 | $20 | 0.06% |
| BRADLEY S RUPPEL3 | 70 VICTORIA DR HILTON HEAD ISLAND, SC 29926 | AFLAC | $20 | $0 | $20 | 0.06% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 11747 | AFLAC | $19 | $0 | $19 | 0.06% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVE PARK RIDGE, NJ 07656 | AFLAC | $19 | $0 | $19 | 0.06% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $16 | $0 | $16 | 0.05% |
| LOUIS P ORGERA3 | 585 STEWART AVE SUITE 414 GARDEN CITY, SC 11530 | AFLAC | $7 | $0 | $7 | 0.02% |
| JOHN SPOLETI3 | 37 GRASSLANDS CIRCLE MOUNT SINAI, NY 11766 | GUARDIAN | $4K | $0 | $4K | 13.00% |
| NEW YORK ROSBRUCH AND HARNIK3 | 1025 WESTCHESTER AVE. WHITE PLAINS, NY 10604 | GUARDIAN | $417 | $0 | $417 | 1.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $689 | $0 | $689 | 7.83% |
| KORNELIJA NUMIC3 | 17621 17TH ST APT 27B TUSTIN, CA 92780 | AFLAC | $302 | $0 | $302 | 4.07% |
| STEVEN WILLIAM BEINHORN3 | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $203 | $0 | $203 | 2.74% |
| KERI NORTON3 | 12472 FM 2728 TERRELL, TX 75161 | AFLAC | $159 | $0 | $159 | 2.14% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $77 | $0 | $77 | 1.04% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $34 | $0 | $34 | 0.46% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J MONTENEGRO | 5 ELYSE DR. NEW CITY, NY 10956 | AFLAC | $8 | $0 | $8 | 0.11% |
| NY-GJK INSURANCE AGENCY3 Filed as: GJK INSURANCE AGENCY LLC | DBA WORLD INSURANCE ASSOC 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | UNITED HEALTHCARE INSURANCE COMPANY | $415 | $0 | $415 | 9.99% |
| DIANE L STOIBER3 | S70W13031 WOODS RD MUSKEGO, WI 53150 | AFLAC | $222 | $0 | $222 | 5.62% |
| STEVEN WILLIAM BEINHORN3 | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $91 | $0 | $91 | 2.30% |
| JACK D BREES3 | 2989 S WAUKESHA RD WEST ALLIS, WI 53227 | AFLAC | $36 | $0 | $36 | 0.91% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J MONTENEGRO | 5 ELYSE DR. NEW CITY, NY 10956 | AFLAC | $12 | $0 | $12 | 0.30% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $9 | $0 | $9 | 0.23% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $1.5M |
| Vision | VISION SERVICE PLAN | 77 | $9K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 143 | $4K |
| Long-term disability | GUARDIAN | 70 | $32K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 25 | $256K |
| Other(4 contracts, 2 carriers) | AFLAC | 143 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.