| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $53K | — | $53K | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 5.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE CO. | — | $113 | $113 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 13.28% |
| BARBAR FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $2K | $76 | $2K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AFLAC | $1K | — | $1K | 5.86% |
| WILLIAM WHICHER3 Filed as: WILLIAM H. WHICHER | ONE LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $536 | $15 | $551 | 2.41% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $360 | $15 | $375 | 1.64% |
| LORRAINE SOMMER INC3 Filed as: LORRAINE SOMMER INC. | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $172 | — | $172 | 0.75% |
| MJ INSURANCE3 Filed as: EDWARD SIMMONS AND VARIOUS AGENTS | 115 BROADHOLLOW ROAD MELVILLE, NY 11747 | AFLAC | $145 | — | $145 | 0.63% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $109 | — | $109 | 0.48% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 213 | $1.5M |
| Dental | AETNA LIFE INSURANCE CO. | 280 | $64K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 213 | $1.5M |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 159 | $36K |
| Short-term disability | AFLAC | 21 | $23K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 159 | $36K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 213 | $1.5M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 159 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.