| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | AFLAC | $2K | $0 | $2K | 9.62% |
| J G DENIVO CORP3 Filed as: J. G. DENIVO CORPORATION | 141207 20TH AVENUE, SUITE 102 WHITESTONE, NY 11357 | AFLAC | $1K | $129 | $1K | 5.01% |
| MJ INSURANCE3 Filed as: THOMAS GORDON AND VARIOUS AGENTS | 36 QUAKER STREET NEW HYDE PARK, NY 11040 | AFLAC | $526 | $48 | $574 | 2.40% |
| RICHARD PETERSON3 | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | AFLAC | $510 | $57 | $567 | 2.37% |
| ENIDA MICI3 | 353 EAST 82ND STREET, APARTMENT 9 NEW YORK, NY 10028 | AFLAC | $359 | $0 | $359 | 1.50% |
| CHRISTIAN M TULLY3 Filed as: CHRISTIAN M. TULLY | 154 LAUREL ROAD EAST NORTHPORT, NY 11731 | AFLAC | $171 | $150 | $321 | 1.34% |
| NATIA JANGAVADZE3 | 519 EAST 78TH STREET, APARTMENT 6C NEW YORK, NY 10075 | AFLAC | $236 | $0 | $236 | 0.98% |
| EDDIE COBBINAH4 | 150 WEST 225TH STREET, APARTMENT 4C RIVER DALE, NY 10463 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | $0 | $2K | 13.88% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY AND BARNEY | 605 THIRD AVENUE, 24TH FLOOR NEW YORK, NY 10158 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $649 | $0 | $649 | 4.25% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: JANELLE L. BROWN | 2408 RIDGE WAY FORT LEE, NJ 07024 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $170 | $0 | $170 | 1.11% |
| SHELTER O. ASANTE4 | 2400 HUNTER AVENUE APARTMENT 23F BRONX, NY 10475 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $21 | $0 | $21 | 0.14% |
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 | 523 | 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) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(3 contracts, 3 carriers) | AFLAC | 523 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.