| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 117476694 | UNITED HEALTHCARE INSURANCE COMPANY | $47K | $0 | $47K | 3.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVE SUITE S-229 WEST HARRISON, NY 106043546 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 1.01% |
| ADAM ROSENFELD3 Filed as: ADAM S ROSENFELD | 125 BAYLIS ROAD SUITE 300 MELVILLE, NY 11747 | CALIFORNIA PHYSICIANS' SERVICE | $7K | $0 | $7K | 3.81% |
| S BEIN INC3 Filed as: S BEIN INC. | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $3K | $131 | $3K | 9.68% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $220 | $31 | $251 | 0.70% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $194 | $0 | $194 | 0.54% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NJ 11530 | AFLAC | $173 | $0 | $173 | 0.49% |
| TOOD J BURKE CORP3 | 365 STEWART AVE APT A14 GARDEN CITY, NJ 11530 | AFLAC | $141 | $0 | $141 | 0.40% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $117 | $20 | $137 | 0.38% |
| BRUCE GHESSI3 | 4 JANET LN COMMACK, NY 11725 | AFLAC | $109 | $0 | $109 | 0.31% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 14 WALL ST SUITE 8C NEW YORK, NY 10005 | AFLAC | $85 | $0 | $85 | 0.24% |
| ROBIN BEINHORN3 | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $81 | $0 | $81 | 0.23% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST SUITE 8C NEW YORK, NY 10005 | AFLAC | $61 | $0 | $61 | 0.17% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 11747 | AFLAC | $61 | $0 | $61 | 0.17% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVE PARK RIDGE, NJ 07656 | AFLAC | $30 | $10 | $40 | 0.11% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $30 | $0 | $30 | 0.08% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $25 | $0 | $25 | 0.07% |
| BARBARA FONTI3 | 223 WALL ST #159 HUNTINGTON, NY 11743 | AFLAC | $24 | $0 | $24 | 0.07% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $24 | $0 | $24 | 0.07% |
| BT BENEFITS & CONSULTING LLC3 | 125 BAYLIS RD SUITE 300 MELVILLE, NY 11747 | AFLAC | $20 | $0 | $20 | 0.06% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $19 | $0 | $19 | 0.05% |
| LOUIS ORGERA3 Filed as: LOUIS P ORGERA | 585 STEWART AVE SUITE 414 GARDEN CITY, NJ 11530 | AFLAC | $13 | $0 | $13 | 0.04% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NC 11530 | AFLAC | $12 | $0 | $12 | 0.03% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $6 | $0 | $6 | 0.02% |
| GLORIA QUINONES3 Filed as: GLORIA M QUINONES | PO BOX 282 BRONX, NY 10475 | AFLAC | $5 | $0 | $5 | 0.01% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN RD #1568 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $18 | $2K | 6.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 12404 PARK CENTRAL DR SUITE 4005 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $1K | $1K | 4.15% |
| JOHN SPOLETI3 | 37 GRASSLANDS CIRCLE MOUNT SINAI, NY 11766 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.00% |
| NEW YORK ROSBRUCH AND HARNIK3 | 1025 WESTCHESTER AVE. WHITE PLAINS, NY 10604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $256 | $0 | $256 | 1.30% |
| STEVEN WILLIAM BEINHORN3 | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $545 | $63 | $608 | 4.05% |
| KERI NORTON3 | 12472 FM 2728 TERRELL, TX 75161 | AFLAC | $510 | $58 | $568 | 3.78% |
| KORNELIJA NUMIC3 | 17621 17TH ST APT 27B TUSTIN, CA 92780 | AFLAC | $435 | $0 | $435 | 2.90% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $183 | $22 | $205 | 1.37% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $95 | $15 | $110 | 0.73% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J MONTENEGRO | 14 WALL STREET 8TH FLOOR NEW YORK, NY 10005 | AFLAC | $87 | $14 | $101 | 0.67% |
| BRYANT F JOHNSON3 | 2367 HIGHWOOD DR DALLAS, TX 75228 | AFLAC | $8 | $0 | $8 | 0.05% |
| DAVID MARTIN GUSTAFSON3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $4 | $0 | $4 | 0.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TN 752511814 | VISION SERVICE PLAN | $637 | $0 | $637 | 7.65% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN RD #1568 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $575 | $0 | $575 | 10.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 12404 PARK CENTRAL DR SUITE 4005 DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $0 | $230 | $230 | 4.00% |
| DIANE L STOIBER3 | S70W13031 WOODS RD MUSKEGO, WI 53150 | AFLAC | $321 | $37 | $358 | 9.06% |
| STEVEN WILLIAM BEINHORN3 | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $131 | $16 | $147 | 3.72% |
| JACK D BREES3 | 2989 S WAUKESHA RD WEST ALLIS, WI 53227 | AFLAC | $46 | $8 | $54 | 1.37% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J MONTENEGRO | 14 WALL STREET 8TH FLOOR NEW YORK, NY 10005 | AFLAC | $16 | $4 | $20 | 0.51% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $11 | $4 | $15 | 0.38% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN RD #1568 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $392 | $0 | $392 | 9.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 12404 PARK CENTRAL DR SUITE 4005 DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $0 | $157 | $157 | 4.00% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD #1568 MELVILLE, NY 117472230 | HARTFORD LIFE AND ACCIDENT | $579 | $0 | $579 | 14.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $391 | $391 | 10.09% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN #1568 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $55 | $0 | $55 | 10.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 12404 PARK CENTRAL DR SUITE 4005 DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $0 | $22 | $22 | 4.02% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN RD #1568 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $55 | $0 | $55 | 10.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 12404 PARK CENTRAL DR SUITE 4005 DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $0 | $22 | $22 | 4.02% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 102 | $1.4M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 56 | $44K |
| Vision | VISION SERVICE PLAN | 77 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 142 | $4K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 56 | $20K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 24 | $188K |
| Other(4 contracts, 2 carriers) | AFLAC | 142 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
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.