| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPAIN ANDERSON AZAR LTD3 | 16 WEST 36TH STREET 11TH FLOOR NEW YORK, NY 10018 | OXFORD HEALTH INSURANCE INC | $37K | — | $37K | 2.75% |
| ACRISURE LLC3 | 16 WEST 36TH STREET 11TH FLOOR NEW YORK, NY 10018 | OXFORD HEALTH INSURANCE INC | $7K | — | $7K | 0.52% |
| ACRISURE LLC3 | 16 WEST 36TH STREET 11TH FLOOR NEW YORK, NY 10018 | GUARDIAN | $4K | — | $4K | 4.73% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO LLC | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $8K | $786 | $9K | — |
| YANIRA TEITELBAUM3 | 78 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $5K | $337 | $6K | — |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $2K | $225 | $3K | — |
| MICHAEL SCOTT TEITELBAUM3 | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $2K | — | $2K | — |
| TIMOTHY CAVAZOS3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $1K | $225 | $1K | — |
| SPAOLILLO CORP3 | 6707 TENTH AVENUE BROOKLYN, NY 11219 | AFLAC | $1K | — | $1K | — |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $709 | — | $709 | — |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $687 | — | $687 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G GALLAGHER | 173 GELSTON AVENUE APT 3D BROOKLYN, NY 11209 | AFLAC | $485 | — | $485 | — |
| ANTHONY LIBECCI3 Filed as: ANTHONY LIOCCI | 35 PRESTON AVENUE STATEN ISLAND, NY 10312 | AFLAC | $396 | — | $396 | — |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $237 | — | $237 | — |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE NEW YORK, NY 10992 | AFLAC | $162 | — | $162 | — |
| KERRY MANGIACASALE3 | 24 PILCHER STREET STATEN ISLAND, NY 10314 | AFLAC | $130 | — | $130 | — |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FL ALBANY, NY 12211 | AFLAC | $37 | — | $37 | — |
| KWAN CHAE3 | 395 SOUTH END AVENUE 8J NEW YORK, NY 10280 | AFLAC | $36 | — | $36 | — |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C STATEN ISLAND, NY 10005 | AFLAC | $17 | — | $17 | — |
| NANCY DAVILA3 | 60 SCHOOLHOUSE ROAD OLD BETHPAGE, NY 11804 | AFLAC | $15 | — | $15 | — |
| WALTER THOMAS BONILLA3 Filed as: WALTER BONILLA | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $10 | — | $10 | — |
| RECRUITER MMNY INC3 | 3810 JERUSALEM AVENUE SEAFORD, NY 11783 | AFLAC | $10 | — | $10 | — |
| STEPHEN WHITE3 | 214 25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $8 | — | $8 | — |
| PATRICK R. RUHLE AND OTHER AGENTS3 Filed as: PATRICK RUHLC | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $7 | — | $7 | — |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC | 232 | $1.4M |
| Dental | GUARDIAN | 157 | $89K |
| Vision | GUARDIAN | 157 | $89K |
| Other | AFLAC | 97 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.