| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $2K | $0 | $2K | 6.85% |
| NANCY HOAGLAND3 | 223 BROOK STREET OAKDALE, NY 11769 | AFLAC | $436 | $83 | $519 | 2.09% |
| JASON G DENIVO3 Filed as: JASON DENIVO | 199 WATER STREET, 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $449 | $64 | $513 | 2.07% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $376 | $34 | $410 | 1.65% |
| MJ INSURANCE3 Filed as: NATIA JANGAVADZE AND VARIOUS AGENTS | 220 EAST 67TH STREET, APARTMENT 7B NEW YORK, NY 10065 | AFLAC | $384 | $0 | $384 | 1.55% |
| ENIDA MICI3 | 353 EAST 82ND STREET, APARTMENT 9 NEW YORK, NY 10028 | AFLAC | $242 | $0 | $242 | 0.98% |
| GFM CORP3 | 2 HALYARD COURT COLD SPRINGS HARBOR, NY 11724 | AFLAC | $188 | $19 | $207 | 0.83% |
| EDDIE COBBINAH3 | 2408 RIDGE WAY FORT LEE, NJ 07024 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $484 | $0 | $484 | 5.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY | 605 THIRD AVENUE, 24TH FLOOR NEW YORK, NY 10158 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $379 | $0 | $379 | 4.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ANELLE L. BROWN | 2408 RIDGE WAY FORT LEE, NJ 07024 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $34 | $0 | $34 | 0.37% |
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 | 508 | 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) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(3 contracts, 3 carriers) | AFLAC | 508 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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.