| 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 | $57K | $0 | $57K | 4.37% |
| 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 | $13K | $13K | 0.97% |
| ADAM ROSENFELD3 Filed as: ADAM S ROSENFELD | 125 BAYLIS ROAD SUITE 300 MELVILLE, NY 11747 | CALIFORNIA PHYSICIANS' SERVICE | $6K | $0 | $6K | 3.28% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN RD #1568 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 8.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 5.43% |
| S BEIN INC3 Filed as: S BEIN INC. | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $3K | $0 | $3K | 7.61% |
| MICHELLE MONTENEGRO3 | 5 ELYSE DR. NEW CITY, NY 10956 | AFLAC | $295 | $0 | $295 | 0.80% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 11747 | AFLAC | $292 | $0 | $292 | 0.79% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $179 | $0 | $179 | 0.48% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $170 | $0 | $170 | 0.46% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NJ 11530 | AFLAC | $162 | $0 | $162 | 0.44% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DR NEW CITY, NY 10956 | AFLAC | $158 | $0 | $158 | 0.43% |
| TOOD BURKE3 | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $149 | $0 | $149 | 0.40% |
| BRUCE GHESSI3 | 4 JANET LN COMMACK, NY 11725 | AFLAC | $109 | $0 | $109 | 0.29% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 35 PINELAWN RD SUITE 190 MELVILLE, NY 11747 | AFLAC | $85 | $0 | $85 | 0.23% |
| ROBIN BEINHORN3 | 8676 SW CARRARA WAY PORT SAINT LUCIE, FL 34987 | AFLAC | $81 | $0 | $81 | 0.22% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR. NEW ROCHELLE, NY 10804 | AFLAC | $45 | $0 | $45 | 0.12% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST SUITE 8C NEW YORK, NY 10005 | AFLAC | $44 | $0 | $44 | 0.12% |
| BARBARA FONTI3 | 223 WALL ST #159 HUNTINGTON, NY 11743 | AFLAC | $24 | $0 | $24 | 0.06% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $24 | $0 | $24 | 0.06% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $23 | $0 | $23 | 0.06% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $21 | $0 | $21 | 0.06% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVE PARK RIDGE, NJ 07656 | AFLAC | $19 | $0 | $19 | 0.05% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $18 | $0 | $18 | 0.05% |
| LOUIS ORGERA3 Filed as: LOUIS P ORGERA | 585 STEWART AVE SUITE 414 GARDEN CITY, NJ 11530 | AFLAC | $7 | $0 | $7 | 0.02% |
| GLORIA QUINONES3 Filed as: GLORIA M QUINONES | PO BOX 282 BRONX, NY 10475 | AFLAC | $1 | $0 | $1 | 0.00% |
| 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 | $389 | $0 | $389 | 1.30% |
| KORNELIJA NUMIC3 | 17621 17TH ST APT 27B TUSTIN, CA 92780 | AFLAC | $340 | $0 | $340 | 3.55% |
| STEVEN WILLIAM BEINHORN3 | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $281 | $0 | $281 | 2.94% |
| KERI NORTON3 | 12472 FM 2728 TERRELL, TX 75161 | AFLAC | $248 | $0 | $248 | 2.59% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $107 | $0 | $107 | 1.12% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $52 | $0 | $52 | 0.54% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J MONTENEGRO | 5 ELYSE DR. NEW CITY, NY 10956 | AFLAC | $34 | $0 | $34 | 0.36% |
| BRYANT F JOHNSON3 | 2367 HIGHWOOD DR DALLAS, TX 75228 | AFLAC | $4 | $0 | $4 | 0.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 752511814 | VISION SERVICE PLAN | $530 | $0 | $530 | 6.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $285 | — | $285 | 3.35% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD #1568 MELVILLE, NY 117472230 | UNITED HEALTHCARE INSURANCE COMPANY | $463 | $0 | $463 | 11.71% |
| DIANE L STOIBER3 | S70W13031 WOODS RD MUSKEGO, WI 53150 | AFLAC | $241 | $0 | $241 | 6.10% |
| STEVEN WILLIAM BEINHORN3 | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $98 | $0 | $98 | 2.48% |
| JACK D BREES3 | 2989 S WAUKESHA RD WEST ALLIS, WI 53227 | AFLAC | $39 | $0 | $39 | 0.99% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J MONTENEGRO | 5 ELYSE DR. NEW CITY, NY 10956 | AFLAC | $13 | $0 | $13 | 0.33% |
| 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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 108 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 84 | $43K |
| Vision | VISION SERVICE PLAN | 82 | $8K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 146 | $4K |
| Long-term disability | GUARDIAN | 70 | $30K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 24 | $173K |
| Other(4 contracts, 2 carriers) | AFLAC | 146 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.