| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $61K | $24K | $85K | 20.85% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, 17TH FLOOR SAN FRANCISCO, CA 94111 | STANDARD OF NEW YORK | $28K | $4K | $31K | 11.38% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.62% |
| LIZ CORIO3 | 77 CREST ROAD COLD SPRING, NY 10516 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 4.71% |
| MICHAEL G MAEGERLE3 Filed as: MICHAEL G. MAEGERLE | 3 CHESTNUT RIDGE ROAD POUGHKEEPSIE, NY 12603 | CONTINENTAL AMERICAN INSURANCE COMPANY | $815 | $0 | $815 | 1.05% |
| VINCENT KRILL3 Filed as: VINCENT J. KRILL | 33 VINTNERS WAY WARWICK, NY 10990 | CONTINENTAL AMERICAN INSURANCE COMPANY | $490 | $0 | $490 | 0.63% |
| DAVID RISPLER3 Filed as: J. DAVID AND ASSOCIATES, INC. | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | CONTINENTAL AMERICAN INSURANCE COMPANY | $309 | $0 | $309 | 0.40% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE JERICHO, NY 11753 | CONTINENTAL AMERICAN INSURANCE COMPANY | $213 | $0 | $213 | 0.27% |
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 | 1,269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 863 | $409K |
| Vision | AETNA LIFE INSURANCE COMPANY | 863 | $409K |
| Life insurance | STANDARD OF NEW YORK | 1,257 | $276K |
| Long-term disability | STANDARD OF NEW YORK | 1,257 | $276K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,257 | $762K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,257 | — |
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.