| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | MUTUAL OF OMAHA | $32K | $17K | $49K | 61.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | COMPANION LIFE INSURANCE COMPANY | $33K | $12K | $45K | 82.52% |
| SIMON HIRSH3 | 7 MAPLE RUN DR JERICHO, NY 11753 | AFLAC | $2K | $0 | $2K | 5.91% |
| CHRISTINE WALSH3 | 255 W NECK RD HUNTINGTON, NY 11747 | AFLAC | $531 | $0 | $531 | 1.98% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $375 | $0 | $375 | 1.40% |
| EMERSON REID LLC3 | 15 ENGLE ST BSMT 3 ENGLEWOOD, NJ 07631 | AFLAC | $318 | $0 | $318 | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | PRINCIPAL LIFE INSURANCE COMPANY | $723 | $220 | $943 | 8.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 354 EISENHOWER PWKY STE 2850 LIVINGSTON, NJ 07039 | PRINCIPAL LIFE INSURANCE COMPANY | $296 | $0 | $296 | 2.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.31% |
| BEACON WORKSITE LLC3 | 125 WOLF RD ALBANY, NY 12205 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $32 | $0 | $32 | 0.75% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FL NEW YORK, NY 10005 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $24 | $0 | $24 | 0.56% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $9 | $0 | $9 | 0.21% |
| VELTO WILLIAM3 | 4 SPENCER COURT ORANGEBURG, NY 10962 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3 | $0 | $3 | 0.07% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $11K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 392 | $134K |
| Short-term disability | MUTUAL OF OMAHA | 392 | $79K |
| Long-term disability | MUTUAL OF OMAHA | 392 | $79K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 456 | $1.5M |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA | 392 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.