| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRMA MATILDE WOODARD3 Filed as: IRMA ENCISO ALTAMIRANO | 115 MALTBY ST SHELTON, CT 06484 | AFLAC | $9K | $574 | $9K | 5.85% |
| SIMONE HIRSCH3 | 1167 HILLSBORO MILE APT 403 HILLSBORO BEACH, FL 33062 | AFLAC | $5K | $0 | $5K | 2.96% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINER PL WEST LINN, OR 97068 | AFLAC | $2K | $82 | $2K | 1.12% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PL BROOKLYN, NY 11215 | AFLAC | $1K | $70 | $2K | 0.97% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER RD MOORESTOWN, NJ 08057 | AFLAC | $1K | $0 | $1K | 0.86% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $1K | $70 | $1K | 0.84% |
| DAVID J MCCLELLAN3 Filed as: DAVID MAJOR | 4 DEVONSHIRE DR DARIEN, CT 06820 | AFLAC | $1K | $53 | $1K | 0.82% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $1K | $70 | $1K | 0.73% |
| LORENA GILER LOPEZ3 | 7784 271ST ST NEW HYDE PARK, NY 11040 | AFLAC | $930 | $0 | $930 | 0.58% |
| TREVOR FENNELL3 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $670 | $0 | $670 | 0.42% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $439 | $35 | $474 | 0.30% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $406 | $0 | $406 | 0.25% |
| RABIA EBRAHIM3 | 38 KATHWOOD RD WHITE PLAINS, NY 10607 | AFLAC | $324 | $18 | $342 | 0.21% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $306 | $35 | $341 | 0.21% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $314 | $0 | $314 | 0.20% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY M DAY | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $260 | $0 | $260 | 0.16% |
| SANDRA SIMS3 Filed as: SANDRA FERNANDEZ | 2515 ROUND POINTE DR HAVERSTRAW, NY 10927 | AFLAC | $216 | $0 | $216 | 0.14% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 4864 ARTHUR KILL RD STE 3 STATEN ISLAND, NY 10309 | AFLAC | $164 | $0 | $164 | 0.10% |
| KATHLEEN BYRNE3 Filed as: KATHLEEN F PERRINE | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $153 | $0 | $153 | 0.10% |
| BEAULIEU BENEFITS INC3 | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $120 | $0 | $120 | 0.08% |
| EVELIS RODRIGUEZ3 | 17 E 4TH ST HUNTINGTON STATION, NY 11746 | AFLAC | $109 | $0 | $109 | 0.07% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAGUA, NY 10514 | AFLAC | $81 | $0 | $81 | 0.05% |
| JOHN E GLASER3 | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $72 | $0 | $72 | 0.05% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $67 | $0 | $67 | 0.04% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $48 | $0 | $48 | 0.03% |
| WILLIAM J LOEFFERT3 | 545 DAVIS ST NORTH BABYLON, NY 11703 | AFLAC | $42 | $0 | $42 | 0.03% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $21 | $0 | $21 | 0.01% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLS STE 410 GARDEN CITY, NY 11530 | AFLAC | $20 | $0 | $20 | 0.01% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $15 | $0 | $15 | 0.01% |
| JAMES C MALONEY3 | 27 HEWITT DR NORTHPORT, NY 11768 | AFLAC | $15 | $0 | $15 | 0.01% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $3 | $0 | $3 | 0.00% |
| VANGUARD II INC3 | 155 PINELAWN RD STE 210N MELVILLE, NY 11747 | AFLAC | $3 | $0 | $3 | 0.00% |
| EPSIX, INC.3 Filed as: EPSIX INC | 687 E BROADWAY MILFORD, CT 06460 | AFLAC | $1 | $0 | $1 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 FOSTER RD STE A MOORESTOWN, NJ 08057 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 16.44% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER RD MOORESTOWN, NJ 08057 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 17.68% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1600 BROADWAY STE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $629 | $0 | $629 | 5.00% |
| JILETTA RILEY4 | 16 STERN PL FORDS, NJ 08863 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $209 | $0 | $209 | 6.71% |
| INNOVATIVE BENEFIT PLANNING, LLC4 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER RD MOORESTOWN, NJ 08057 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $186 | $0 | $186 | 5.97% |
| BUSINESS RESOURCE CONNECTOR LLC4 | 574 13TH AVE NEWARK, NJ 07103 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $92 | $0 | $92 | 2.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTIVO ADMIN | Claims processing Service code 12 | 335 MADISON AVE #810 NEW YORK, NY 10017 | $76K |
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 | 431 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 336 | $167K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $27K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $62K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 431 | $13K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 0 | $814K |
| Other(4 contracts, 4 carriers) | AFLAC | 431 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.