| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JILL LISA RAPPAPORT3 | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $16K | $655 | $17K | 6.98% |
| MJ INSURANCE3 Filed as: LAYLA R. HECKER AND VARIOUS AGENTS | 9 METROPOLITAN OVAL, APARTMENT 5B BRONX, NY 10462 | AFLAC | $7K | $177 | $8K | 3.23% |
| CAMMACK HEALTH LLC3 Filed as: CAMMACK HEALTH, LLC | 199 WATER STREET, 9TH FLOOR NEW YORK, NY 10038 | AFLAC | $8K | $0 | $8K | 3.16% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $5K | $279 | $6K | 2.37% |
| NADINE COTTERELL3 | 806 22ND STREET, APARTMENT C1 UNION CITY, NJ 07087 | AFLAC | $5K | $203 | $5K | 2.14% |
| ROBERT TABAN DONATO3 Filed as: ROBERT C. MENSAH | 14 WALL STREET, 8TH FLOOR NEW YORK, NY 10005 | AFLAC | $3K | $199 | $3K | 1.25% |
| MARTIZA ROLON3 | 3051 EDWIN AVENUE, APARTMENT 2A FORT LEE, NJ 07024 | AFLAC | $3K | $116 | $3K | 1.24% |
| THE NIA GROUP3 | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $8K | $0 | $8K | 6.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| JACQUELINE GELINAS BEAULIEU3 | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $139 | $0 | $139 | 4.22% |
| JILL LISA RAPPAPORT3 | 402 19TH STREET BROOKLYN, NC 11215 | AFLAC | $122 | $16 | $138 | 4.19% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $52 | $8 | $60 | 1.82% |
| BEAULIEU BENEFITS INC3 Filed as: BEAULIEU BENEFITS, INC. | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $59 | $0 | $59 | 1.79% |
| JACQUELINE GELINAS BEAULIEU3 | 131 EAST 39TH STREET, APARTMENT 3 NEW YORK, NY 10016 | AFLAC | $14 | $24 | $38 | 1.16% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PLACE BROOKLYN, NY 11215 | AFLAC | $12 | $0 | $12 | 0.36% |
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 | 757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 838 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 838 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 477 | $31K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 793 | $136K |
| Short-term disability(2 contracts) | AFLAC | 217 | $241K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 793 | $136K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 838 | $1.5M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 838 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.