| 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 | $0 | $8K | 7.28% |
| DANIELLE L SCHOFS3 Filed as: DANIELLE L. SHOFS AND OTHER AGENTS | 21 WEST 76TH STREET, APARTMENT 1BW NEW YORK, NY 10023 | AFLAC | $654 | $65 | $719 | 4.59% |
| DYMOND INC3 Filed as: DYMOND, INC. | 180 WEST 93RD STREET, APARTMENT 6B NEW YORK, NY 10025 | AFLAC | $403 | $65 | $468 | 2.99% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES, LLC | 57-12 12TH AVENUE BEECHHURST, NY 11357 | AFLAC | $209 | $0 | $209 | 1.33% |
| BETH MCLEOD3 | 39 CENTRAL AVENUE MONTCLAIR, NJ 07042 | AFLAC | $169 | $0 | $169 | 1.08% |
| BETH MCLEOD3 | 45 CAROLIN ROAD MONTCLAIR, NJ 07043 | AFLAC | $164 | $0 | $164 | 1.05% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $142 | $0 | $142 | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $123 | $0 | $123 | 0.79% |
| SHARON S. WIENER3 | 8833 PICKFORD STREET LOAS ANGELES, CA 90035 | AFLAC | $50 | $0 | $50 | 3.77% |
| RAYMOND J KOBER3 Filed as: RAYMOND J. KOBER | 15712 12TH AVENUE WHITESTONE, NY 11357 | AFLAC | $35 | $0 | $35 | 2.64% |
| DEROVAN & ASSOCIATES INS, INC.3 Filed as: DEROVAN & ASSOCIATES INSURANCE, INC | 144 SOUTH ALTA VISTA BOULEVARD LOS ANGELES, CA 90036 | AFLAC | $31 | $0 | $31 | 2.34% |
| STEPHNE P. WHITE AND OTHER AGENTS3 | 5 EMERALD LANE MONTBELLO, NY 10901 | AFLAC | $26 | $0 | $26 | 1.96% |
| KIM DYMOND3 | 180 WEST 93RD STREET, APARTMENT B NEW YORK, NY 10025 | AFLAC | $21 | $0 | $21 | 1.58% |
| GEOFFREY MALAIS3 | PO BOX 280717 NORTHRIDGE, CA 91328 | AFLAC | $16 | $0 | $16 | 1.21% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $10 | $0 | $10 | 0.75% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 133 | $27K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 216 | $104K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 216 | $104K |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 216 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.