| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST SUITE 400 SAN FRANCISCO, CA 94111 | EMBLEM HEALTH | $58K | — | $58K | 3.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $4K | $377 | $4K | 5.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $12K | $5K | $17K | 22.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $341 | $2K | 10.04% |
| BARBARA FONTI3 Filed as: BARBARA A FONTI | PO BOX 2214 HUNTINGTON, NY 11743 | AFLAC | $680 | — | $680 | 4.86% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 11 KEENAN PL GARDEN CITY, NY 11530 | AFLAC | $204 | — | $204 | 1.46% |
| WILLIAM J LOEFFERT3 | 545 DAVIS ST NORTH BABYLON, NY 11703 | AFLAC | $156 | — | $156 | 1.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FLOOR 3 MELVILLE, NY 11747 | AFLAC | $146 | — | $146 | 1.04% |
| DOROTHY HENKEL3 | 3 JASON DR EAST BERLIN, PA 17316 | AFLAC | $124 | — | $124 | 0.89% |
| GLORIA MEKELBURG3 | 3 RIVERVIEW CT OAKDALE, NY 11769 | AFLAC | $110 | — | $110 | 0.79% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $107 | — | $107 | 0.77% |
| JOANNA FERGUSON3 | 242 W END AVE MASSAPEQUA, NY 11758 | AFLAC | $96 | — | $96 | 0.69% |
| JAMES (JAY) GRIMES3 Filed as: JAMES JAY GRIMES | 614 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $82 | — | $82 | 0.59% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $60 | — | $60 | 0.43% |
| MICHAEL S CHILLE3 | 9100 CONROY WINDERMERE RD STE 200 WINDERMERE, FL 34786 | AFLAC | $36 | — | $36 | 0.26% |
| GALE LOEFFERT3 | 545 DAVIS ST NORTH BABYLON, NY 11703 | AFLAC | $20 | — | $20 | 0.14% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J TARI | 1179 WEBBER AVE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $19 | — | $19 | 0.14% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LN GARDEN CITY, NY 11530 | AFLAC | $15 | — | $15 | 0.11% |
| GLORIA MEKELBURG3 Filed as: GLORIA C MEKELBURG | 3 RIVERVIEW CT OAKDALE, NY 11769 | AFLAC | $13 | — | $13 | 0.09% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $10 | — | $10 | 0.07% |
| MCINDERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $8 | — | $8 | 0.06% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMERS INC | 2168 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $6 | — | $6 | 0.04% |
| EDWARD A SIMMONS3 | 200 HILTON AVE UNIT 60 HEMPSTEAD, NY 11550 | AFLAC | $5 | — | $5 | 0.04% |
| LAUREN COFFEY3 | 106 CRYSTAL BEACH BLVD MORICHES, NY 11955 | AFLAC | $3 | — | $3 | 0.02% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $3 | — | $3 | 0.02% |
| BRADLEY S RUPPEL3 | 70 VICTORIA DR HILTON HEAD ISLAND, SC 29926 | AFLAC | $2 | — | $2 | 0.01% |
| NANCY LAPHAM3 Filed as: NANCY A HOAGLAND | 223 BROOK ST OAKDALE, NY 11769 | AFLAC | $1 | — | $1 | 0.01% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.01% |
| KATHERINE D GRIMES3 | 601 WHITE CHAPEL CIR CHARLESTON, SC 29412 | AFLAC | $1 | — | $1 | 0.01% |
| EDGEWOOD PARTNER INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 13.94% |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 111 | $1.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 192 | $95K |
| Vision | AETNA LIFE INSURANCE COMPANY | 177 | $80K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 147 | $76K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 147 | $76K |
| Other(2 contracts, 2 carriers) | AFLAC | 23 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.