| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 16 WEST 36TH STREET 11TH FLOOR NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 6.89% |
| ACRISURE LLC3 | 16 WEST 36TH STREET 11TH FLOOR NEW YORK, NY 10018 | GUARDIAN | $1K | — | $1K | 9.79% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL TEITELBAUM | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $5K | — | $5K | — |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO LLC | 100 WALL STREET FLOOR 28 NEW YORK, NY 10005 | AFLAC | $3K | — | $3K | — |
| YANIRA TEITELBAUM3 | 78 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $3K | $92 | $3K | — |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $2K | $59 | $2K | — |
| ANTHONY LIBECCI3 | 205 OLD TOWN ROAD STATEN ISLAND, NY 10305 | AFLAC | $1K | $59 | $1K | — |
| SPAOLILLO CORP3 | 6707 TENTH AVENUE BROOKLYN, NY 11219 | AFLAC | $657 | $166 | $823 | — |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $608 | — | $608 | — |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $554 | — | $554 | — |
| TIMOTHY CAVAZOS3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $479 | — | $479 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVENUE APT 3D BROOKLYN, NY 11209 | AFLAC | $447 | — | $447 | — |
| KERRY MANGIACASALE3 | 24 PILCHER STREET STATEN ISLAND, NY 10314 | AFLAC | $268 | $21 | $289 | — |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $210 | — | $210 | — |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $133 | — | $133 | — |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $102 | — | $102 | — |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $90 | — | $90 | — |
| KWAN CHAE3 | 395 SOUTH END AVENUE 8J NEW YORK, NY 10280 | AFLAC | $36 | — | $36 | — |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FL ALBANY, NY 12211 | AFLAC | $28 | — | $28 | — |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C STATEN ISLAND, NY 10005 | AFLAC | $23 | — | $23 | — |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $18 | — | $18 | — |
| STEPHEN WHITE3 | 5 EMERAL LANE MONTEBELO, NY 10901 | AFLAC | $8 | — | $8 | — |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $5 | — | $5 | — |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 800 TARRYTOWN, NY 10591 | AFLAC | $4 | — | $4 | — |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 148 | $82K |
| Vision | GUARDIAN | 115 | $10K |
| Other | AFLAC | 110 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.