| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMIEE CODY3 | 2 SEABREEZE LANE BAYVILLE, NY 11709 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $0 | $50K | 1.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS. HOUSTON LLC | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $0 | $49K | $49K | 1.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | HARTFORD LIFE AND ACCIDENT | $44K | $0 | $44K | 1.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $10K | $10K | 0.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS. HOUSTON LLC | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $0 | $25K | $25K | 1.99% |
| SHELDON F SCHIFF3 Filed as: SHELDON F. SCHIFF | 285 FULTON STREET, 39TH FLOOR NEW YORK, NY 10007 | AFLAC | $41K | $1K | $42K | 4.57% |
| ANGEL SUAREZ3 | 100 FREEDOM PLACE SOUTH APARTMENT 40 NEW YORK, NY 10069 | AFLAC | $31K | $1K | $32K | 3.44% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES LLC & VARIOUS BROK | 57-12 12TH AVENEUE BEECHHURST, NY 11357 | AFLAC | $19K | $4 | $19K | 2.04% |
| JASON G DENIVO3 Filed as: JASON G. DENIVO | 199 WATER STREET, 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $15K | $0 | $15K | 1.61% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $14K | $562 | $14K | 1.57% |
| ROBERT THOMAS JENSEN3 | 2 SOUTHDOWN COURT HUNTINGTON, NY 11743 | AFLAC | $6K | $281 | $6K | 0.67% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $6K | $0 | $6K | 0.66% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $2K | $657 | $3K | 20.00% |
| ANTHONY P DELUCA3 Filed as: ANTHONY P. DELUCA | 13544 MACHIAVELLI WAY PALM BEACH GARDENS, FL 33418 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 11.88% |
| JASON G DENIVO3 Filed as: JASON G. DENIVO | 24 CORDELL PLACE EAST NORTHPOINT, NY 11731 | AFLAC | $191 | $0 | $191 | 2.45% |
| SHELDON F SCHIFF3 Filed as: SHELDON SCHIFF | 120 BROADWAY, SUITE 2900 NEW YORK, NY 10271 | AFLAC | $188 | $0 | $188 | 2.42% |
| ANGEL SUAREZ3 | 100 FREEDOM PLACE SOUTH APARTMENT 40 NEW YORK, NY 10069 | AFLAC | $93 | $0 | $93 | 1.19% |
| RICHARD PETERSON3 Filed as: RICHARD D. PETERSON | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $84 | $0 | $84 | 1.08% |
| BRAIN MILLER3 | 52 COUNT STREET FREEHOLD, NJ 07728 | AFLAC | $46 | $0 | $46 | 0.59% |
| EUGENE LIBERMAN3 | 2400 EAST 3RD STREET, APARTMENT 214 BROOKLYN, NY 11223 | AFLAC | $30 | $0 | $30 | 0.39% |
| M PEARSON ASSOCIATES CORP3 Filed as: M PEARSON ASSOCIATES CORP & OTHERS | 1 BAY HARBOR ROAD TEQUESTA, FL 33469 | AFLAC | $12 | $0 | $12 | 0.15% |
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 | 4,615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,832 | $4.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,677 | $410K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,604 | $3.1M |
| Long-term disability(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 5,604 | $4.4M |
| Other(7 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 6,978 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,832 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.