| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $13K | $13K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.69% |
| SAM M. JAKOBS3 | 3098 DRIFTWOOD LANE BELLMORE, NY 11710 | AFLAC | $6K | $0 | $6K | 4.78% |
| DONALD ERIC HOYER3 | 44 REYNOLDS DRIVE LIDO BEACH, NY 11561 | AFLAC | $4K | $22 | $4K | 2.83% |
| PATRICK R RUHLE3 Filed as: PATRICK R. RUHLE | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $2K | $0 | $2K | 1.41% |
| MJ INSURANCE3 Filed as: EVELYN BERNFELD AND VARIOUS AGENTS | 12 GORHAM LANE DIX HILLS, NY 11746 | AFLAC | $1K | $0 | $1K | 1.14% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $728 | $5 | $733 | 0.59% |
| EDWARD B. ASSAF3 | 51 ROYDON DRIVE EAST NORTH MERRICK, NY 11566 | AFLAC | $359 | $0 | $359 | 0.29% |
| DANIEL GLASS3 | 86 HAMPSHIRE ROAD GREAT NECK, NY 11023 | AFLAC | $303 | $0 | $303 | 0.24% |
| DANIELLE SONNENBERG3 | 215 WILLOW AVENUE ITHACA, NY 14850 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.12% |
| DONALD ERIC HOYER3 | 44 REYNOLDS DRIVE LIDO BEACH, NY 11561 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.68% |
| MJ INSURANCE3 Filed as: SAM M. JAKOBS AND VARIOUS AGENTS | 3098 DRIFTWOOD LANE BELLMORE, NY 11710 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| EDWARD B. ASSAF3 | 51 ROYDON DRIVE EAST NORTH MERRICK, NY 11566 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.16% |
| DANIEL GLASS3 | 200 GARDEN CITY PLAZA, SUITE 200 GARDEN CITY, NY 11530 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.16% |
| YOLANDA CANDELARIA3 | 6143 186TH STREET, SUITE 612 FRESH MEADOWS, NY 11365 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.16% |
| KATHRYN M RUHLE3 Filed as: KATHRYN M. HIRSCH | 102 BITLMORE BOULEVARD MASSAPEQUA, NY 11758 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.76% |
| DONALD ERIC HOYER3 | 44 REYNOLDS DRIVE LIDO BEACH, NY 11561 | AFLAC | $421 | $0 | $421 | 4.75% |
| EDWARD B. ASSAF3 | 51 ROYDON DRIVE EAST NORTH MERRICK, NY 11566 | AFLAC | $118 | $0 | $118 | 1.33% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $93 | $0 | $93 | 1.05% |
| MARCI COHEN3 | 1155 SHORTLEAF CIRCLE SYKESVILLE, MD 21784 | AFLAC | $21 | $0 | $21 | 0.24% |
| MJ INSURANCE3 Filed as: EUGEAN VANHORN AND VARIOUS AGENTS | 201 PROFESSIONAL DRIVE GAITHERSBURG, MD 20879 | AFLAC | $19 | $0 | $19 | 0.21% |
| PATRICK R RUHLE3 Filed as: PATRICK R. RUHLE | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $16 | $0 | $16 | 0.18% |
| SHAUN TOMPKINS3 | 251 LAKEVIEW AVENUE ROCKVILLE CENTRE, NY 11570 | AFLAC | $16 | $0 | $16 | 0.18% |
| DONALD ERIC HOYER3 | 44 REYNOLDS DRIVE LIDO BEACH, NY 11561 | AFLAC | $167 | $0 | $167 | 5.41% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $10 | $0 | $10 | 0.32% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J. TARI | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $5 | $0 | $5 | 0.16% |
| EDWARD B. ASSAF3 | 51 ROYDON DRIVE EAST NORTH MERRICK, NY 11566 | AFLAC | $1 | $0 | $1 | 0.03% |
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 | 2,595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,595 | $501K |
| Short-term disability(4 contracts, 2 carriers) | AFLAC | 446 | $222K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,595 | $424K |
| Other(4 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,595 | $561K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,595 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.