| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL TEITELBAUM | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $11K | $590 | $11K | 8.59% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO LLC | 100 WALL STREET FLOOR 28 NEW YORK, NY 10005 | AFLAC | $3K | — | $3K | 2.21% |
| YANIRA TEITELBAUM3 | 78 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $3K | $31 | $3K | 2.04% |
| ANTHONY LIBECCI3 | 205 OLD TOWN ROAD STATEN ISLAND, NY 10305 | AFLAC | $2K | $124 | $3K | 1.92% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $2K | $114 | $2K | 1.65% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $664 | $10 | $674 | 0.51% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $564 | — | $564 | 0.43% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $498 | — | $498 | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVENUE APT 3D BROOKLYN, NY 11209 | AFLAC | $444 | — | $444 | 0.34% |
| TIMOTHY CAVAZOS3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $406 | — | $406 | 0.31% |
| SPAOLILLO CORP3 | 6707 10TH AVENUE BROOKLYN, NY 11219 | AFLAC | $254 | — | $254 | 0.19% |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $173 | — | $173 | 0.13% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $137 | — | $137 | 0.10% |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $120 | — | $120 | 0.09% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $115 | — | $115 | 0.09% |
| KWAN CHAE3 | 395 SOUTH END AVENUE 8J NEW YORK, NY 10280 | AFLAC | $36 | — | $36 | 0.03% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FL ALBANY, NY 12211 | AFLAC | $27 | — | $27 | 0.02% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $27 | — | $27 | 0.02% |
| KERRY MANGIACASALE3 | 24 PILCHER STREET STATEN ISLAND, NY 10314 | AFLAC | $22 | — | $22 | 0.02% |
| STEPHEN WHITE3 | 5 EMERAL LANE MONTEBELO, NY 10901 | AFLAC | $8 | — | $8 | 0.01% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $7 | — | $7 | 0.01% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $6 | — | $6 | 0.00% |
| 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 | 9.72% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY | $727 | — | $727 | 32.70% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 150 | $82K |
| Vision | GUARDIAN | 114 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 14 | $2K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 14 | $2K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 14 | $2K |
| Other(2 contracts, 2 carriers) | AFLAC | 115 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.