| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $8K | $3K | $11K | 8.99% |
| DANIELLE L SCHOFS3 Filed as: DANIELLE L. SCHOFS & OTHER AGENTS | 21 WEST 76TH STREET APARTMENT 1BW NEW YORK, NY 10023 | AFLAC | $380 | $0 | $380 | 3.95% |
| BETH MCLEOD3 | 45 CAROLIN ROAD MONTCLAIR, NJ 07043 | AFLAC | $206 | $0 | $206 | 2.14% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES, LLC | 57-12 12TH AVENUE BEECHHURST, NY 11357 | AFLAC | $137 | $0 | $137 | 1.42% |
| DYMOND INC3 Filed as: DYMOND, INC. | 180 WEST 93RD STREET APARTMENT 6B NEW YORK, NY 10025 | AFLAC | $96 | $0 | $96 | 1.00% |
| KIM ALYSON DYMOND3 | 15 CUTTERMILL ROAD, SUITE 134 GREAT NECK, NY 11021 | AFLAC | $80 | $0 | $80 | 0.83% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $75 | $0 | $75 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $73 | $0 | $73 | 0.76% |
| KIM DYMOND3 | 180 WEST 93RD STREET APARTMENT 6B NEW YORK, NY 10025 | AFLAC | $109 | $11 | $120 | 7.40% |
| ANGELA MONTENEGRO3 Filed as: ANGELA MONTENEGRO & OTHER AGENTS | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $55 | $4 | $59 | 3.64% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $53 | $5 | $58 | 3.58% |
| SHARON S. WIENER3 | 8833 PICKFORD STREET LOS ANGELES, CA 90035 | AFLAC | $46 | $0 | $46 | 2.84% |
| RAYMOND J KOBER3 Filed as: RAYMOND J. KOBER | 15712 12TH AVENUE WHITESTONE, NY 11357 | AFLAC | $32 | $0 | $32 | 1.97% |
| DEROVAN & ASSOCIATES INS, INC.3 | 144 S ALTA VISTA BOULEVARD LOS ANGELES, CA 90036 | AFLAC | $29 | $0 | $29 | 1.79% |
| CLARE ROSE MIONE3 Filed as: CLARE R. MIONE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $23 | $3 | $26 | 1.60% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 139 | $29K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 239 | $118K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 239 | $118K |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 239 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.