| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEN FRIEDMAN3 | 119 N PARK AVENUE ROCKVILLE CENTRE, NY 11570 | AETNA | $189K | $0 | $189K | 5.26% |
| KEN FRIEDMAN3 | 119 N PARK AVENUE ROCKVILLE CENTRE, NY 11570 | AETNA | $51K | $0 | $51K | 5.78% |
| KENNETH L. FRIEDMAN3 | 12 CLUBSIDE DRIVE WOODMERE, NY 11598 | GUARDIAN | $29K | $0 | $29K | 7.86% |
| KENNETH L. FRIEDMAN3 Filed as: KENNETH L. FRIEDMAN, INC. | 119 N PARK AVE STE 202 ROCKVILLE CENTRE, NY 115704113 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.15% |
| JOSEPH M BRZECZEK3 Filed as: JOSEPH BRZECZEK | 1006 W STATE COLLEGE ROAD SUITE 205 DOVER, DE 19904 | AFLAC | $7K | $1K | $8K | 24.99% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 242 WICKERBERRY DR MIDDLETON, DE 19709 | AFLAC | $260 | $0 | $260 | 0.77% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 60 ROUTE 46 EAST SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $14 | $23 | $37 | 0.11% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $7 | $23 | $30 | 0.09% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET ST SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $13 | $0 | $13 | 0.04% |
| JASON D ELLIS3 Filed as: JASON BARE | 203 MARKET ST SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $2 | $0 | $2 | 0.01% |
| JOSEPH M BRZECZEK3 Filed as: JOSEPH BRZECZEK | 1012 COLLEGE RD STE 203 DOVER, DE 19904 | AFLAC | $383 | $144 | $527 | 15.05% |
| KELLY BRZECZEK3 | 1012 W STATE COLLEGE RD STE 203 DOVER, DE 19904 | AFLAC | $108 | $24 | $132 | 3.77% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 60 ROUTE 46 EAST SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $2 | $3 | $5 | 0.14% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | $3 | $4 | 0.11% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA | 538 | $4.5M |
| Dental | GUARDIAN | 273 | $375K |
| Vision | VISION SERVICE PLAN | 271 | $39K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 273 | $412K |
| Short-term disability(2 contracts) | AFLAC | 24 | $37K |
| Long-term disability(3 contracts, 2 carriers) | GUARDIAN | 273 | $412K |
| Prescription drug(2 contracts) | AETNA | 538 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.