| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $69 | $0 | $69 | 0.00% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PLACE BROOKLYN, NY 11215 | AFLAC | $18K | $823 | $19K | 6.66% |
| MARITZA ROLON AND OTHER AGENTS3 | 3051 EDWIN AVENUE, APARTMENT 2A UNION CITY, NJ 07087 | AFLAC | $11K | $660 | $12K | 4.21% |
| CAMMACK HEALTH LLC3 | 199 WATER STREET, 9TH FLOOR NEW YORK, NY 10038 | AFLAC | $8K | $0 | $8K | 2.75% |
| LAYLA R HECKER3 Filed as: LAYLA R. HECKER | 9 METROPOLITAN OVAL, APARTMENT 5B BRONX, NY 10462 | AFLAC | $7K | $629 | $7K | 2.59% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $7K | $481 | $7K | 2.51% |
| ROBERT TABAN DONATO3 Filed as: ROBERT C. MENSAH | 14 WALL STREET, 8TH FLOOR NEW YORK, NY 10005 | AFLAC | $4K | $38 | $4K | 1.35% |
| NADINE COTTERELL3 | 806 22ND STREET, APARTMENT C1 UNION CITY, NJ 07087 | AFLAC | $3K | $558 | $4K | 1.30% |
| THE NIA GROUP3 | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 1.58% |
| 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% |
| BEAULIEU BENEFITS INC3 Filed as: BEAULIEU BENEFITS, INC. | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $592 | $0 | $592 | 16.77% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PLACE BROOKLYN, NY 11215 | AFLAC | $125 | $0 | $125 | 3.54% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $71 | $0 | $71 | 2.01% |
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 | 680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 689 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 689 | $2.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 595 | $31K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 712 | $122K |
| Short-term disability(2 contracts) | AFLAC | 222 | $287K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 712 | $122K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 689 | $2.2M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 712 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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."
No prospect flags tripped on this filing.