| 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 | 7.87% |
| J G DENIVO CORP3 | 24 CORDELL PLACE EAST NORTHPORT, NY 11731 | AFLAC | $650 | $58 | $708 | 3.63% |
| MJ INSURANCE3 Filed as: J G DENIVO CORP AND VARIOUS AGENTS | 141207 20TH AVENUE, SUITE 102 WHITESTONE, NY 11357 | AFLAC | $510 | $0 | $510 | 2.62% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $340 | $14 | $354 | 1.82% |
| ENIDA MICI3 | 353 EAST 82ND STREET, APARTMENT 9 NEW YORK, NY 10028 | AFLAC | $232 | $0 | $232 | 1.19% |
| NANCY LAPHAM3 Filed as: NANCY A. HOAGLAND | 223 BROOK STREET OAKDALE, NY 11769 | AFLAC | $121 | $0 | $121 | 0.62% |
| NATIA JANGAVADZE3 | 519 EAST 78TH STREET, APARTMENT 6C NEW YORK, NY 10075 | AFLAC | $110 | $0 | $110 | 0.56% |
| EDDIE COBBINAH4 | 2408 RIDGE WAY FORT LEE, NJ 07024 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $163 | $0 | $163 | 4.50% |
| 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 | $93 | $0 | $93 | 2.57% |
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) | CORPORATE COUNSELING ASSOCIATES | 523 | $43K |
| 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."
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.