| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 3.67% |
| ABRAHAM BASH3 | 148 SOUTH FRONT STREET APARTMENT 321 FARMINGDALE, NY 11735 | AFLAC | $1K | $0 | $1K | 7.49% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $267 | $0 | $267 | 1.59% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 100 NW 62ND STREET, SUITE 1020 FORT LAUDERDALE, FL 33309 | AFLAC | $261 | $0 | $261 | 1.55% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $6 | $0 | $6 | 0.04% |
| AMBER WHITTEMORE3 | PO BOX 1049 WADING RIVER, NY 11792 | AFLAC | $4 | $0 | $4 | 0.02% |
| KERRY L. LILES3 | 131 BEECHER AVENUE EXT EAST ISLIP, NY 11730 | AFLAC | $4 | $0 | $4 | 0.02% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI INC AND OTHER AGENTS | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | $0 | $2 | 0.01% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 541 | $60K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 541 | $60K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 541 | $60K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 541 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.