| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRISTEN PARZIANO3 | 15 10TH STREET STATEN ISLAND, NY 10306 | AFLAC | $5K | $297 | $5K | 4.21% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 4864 ARTHUR KILL ROAD SUITE 3 STATEN ISLAND, NY 10309 | AFLAC | $3K | $58 | $3K | 2.07% |
| MICHAEL S TEITELBAUM3 | 4023 W SAN PEDRO STREET TAMPA, FL 33829 | AFLAC | $3K | — | $3K | 2.01% |
| YANIRA TEITELBAUM3 | 4023 W SAN PEDRO STREET TAMPA, FL 33629 | AFLAC | $1K | — | $1K | 1.07% |
| BEAUIEU BENEFITS INC3 | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $1K | — | $1K | 0.99% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 35 PINELAWN ROAD SUITE 190 MELVILLE, NY 11747 | AFLAC | $833 | — | $833 | 0.64% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $663 | $58 | $721 | 0.56% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $686 | — | $686 | 0.53% |
| PEARLAND BROKERAGE INC3 | 3601 43RD AVENUE FLOOR 1 LONG ISLAND CITY, NY 11101 | AFLAC | $531 | — | $531 | 0.41% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $281 | — | $281 | 0.22% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $263 | — | $263 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G GALLAGHER | 2640 LAKE SHORE DRIVE UNIT 411 RIVIERA BEACH, FL 33404 | AFLAC | $255 | — | $255 | 0.20% |
| SHIRLEY PAOLILLO3 | 6707 TENTH AVENUE BROOKLYN, NY 11219 | AFLAC | $235 | — | $235 | 0.18% |
| GROE INC3 | 108 JACKSON STREET APT 4A HOBOKEN, NJ 07030 | AFLAC | $180 | — | $180 | 0.14% |
| SPHEREC GROUP LLC3 | 388 BRIDGE STREET APT 34G BROOKLYN, NY 11201 | AFLAC | $132 | — | $132 | 0.10% |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $127 | — | $127 | 0.10% |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $115 | — | $115 | 0.09% |
| SHAUN T KONIOR3 | 100 NW 62ND STREET SUITE 1020 FT LAUDERDALE, FL 33309 | AFLAC | $91 | — | $91 | 0.07% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $62 | — | $62 | 0.05% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $55 | — | $55 | 0.04% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $53 | — | $53 | 0.04% |
| KWAN CHAE3 | 395 SOUTH END AVENUE 8J NEW YORK, NY 10280 | AFLAC | $43 | — | $43 | 0.03% |
| KENNETH C MEIER CORP3 | 170 OLD COUNTRY ROAD SUITE 410 MINEOLA, NY 11501 | AFLAC | $42 | — | $42 | 0.03% |
| MICHAEL S CHILLE3 | 6760 VALHALLA WAY WINCHESTER, FL 34786 | AFLAC | $23 | — | $23 | 0.02% |
| TODD BURKE3 | 199 WATER STREET FL 23 NEW YORK, NY 10038 | AFLAC | $16 | — | $16 | 0.01% |
| KERRY E MANGIACASALE3 | 24 PILCHER STREET STATEN ISLAND, NY 10314 | AFLAC | $6 | — | $6 | 0.00% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $5 | — | $5 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE PARTNERS SE | 16 WEST 36TH STREET 11TH FLOOR NEW YORK, NY 10018 | GUARDIAN | $4K | $526 | $5K | 5.38% |
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 | 153 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 134 | $88K |
| Vision | GUARDIAN | 134 | $88K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 14 | $4K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 14 | $4K |
| Other(2 contracts, 2 carriers) | AFLAC | 91 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.