| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRISTEN PARZIANO3 | 15 10TH STREET STATEN ISLAND, NY 10306 | AFLAC | $6K | $299 | $6K | 4.06% |
| MICHAEL S TEITELBAUM3 | 4023 W SAN PEDRO STREET TAMPA, FL 33829 | AFLAC | $5K | $128 | $5K | 3.54% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 4864 ARTHUR KILL ROAD SUITE 3 STATEN ISLAND, NY 10309 | AFLAC | $4K | $99 | $4K | 2.86% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO LLC | 131 E 39TH STREET APT 3 NEW YORK, NY 10016 | AFLAC | $3K | — | $3K | 1.72% |
| YANIRA TEITELBAUM3 | 4023 W SAN PEDRO STREET TAMPA, FL 33629 | AFLAC | $2K | — | $2K | 1.50% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $2K | $100 | $2K | 1.38% |
| PEARLAND BROKERAGE INC3 Filed as: PEARLAND BROKERAGE | 3601 43RD AVENUE LONG ISLAND CITY, NY 11101 | AFLAC | $2K | — | $2K | 1.13% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | — | $1K | 0.98% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $439 | — | $439 | 0.30% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $404 | — | $404 | 0.27% |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $388 | — | $388 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVING G GALLAGHER | 2640 LAKE SHORE DRIVE UNIT 411 RIVIERA BEACH, FL 33404 | AFLAC | $294 | — | $294 | 0.20% |
| SPAOLILLO CORP3 | 648 78TH STREET BROOKLYN, NY 11209 | AFLAC | $239 | — | $239 | 0.16% |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $155 | — | $155 | 0.10% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $116 | — | $116 | 0.08% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $105 | — | $105 | 0.07% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $62 | — | $62 | 0.04% |
| KWAN CHAE3 | 395 SOUTH END AVENUE 8J NEW YORK, NY 10280 | AFLAC | $36 | — | $36 | 0.02% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $23 | — | $23 | 0.02% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $18 | — | $18 | 0.01% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $8 | — | $8 | 0.01% |
| KERRY MANGIACASALE3 | 24 PILCHER STREET STATEN ISLAND, NY 10314 | AFLAC | $8 | — | $8 | 0.01% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $7 | — | $7 | 0.00% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $5 | — | $5 | 0.00% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALENDONIA, MI 49316 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $399 | $5K | 6.79% |
| ACRISURE LLC3 | 16 WEST 36TH STREET 11TH FLOOR NEW YORK, NY 10018 | GUARDIAN | $1K | — | $1K | 9.45% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | FIRST UNUM LIFE INSURANCE COMPANY | $483 | $24 | $507 | 16.78% |
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 | 150 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 156 | $69K |
| Vision | GUARDIAN | 125 | $13K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 15 | $3K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 15 | $3K |
| Other(2 contracts, 2 carriers) | AFLAC | 119 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.