| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | $12K | $13K | 32.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $930 | $9K | $10K | 31.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $3K | $6K | 34.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | PRINCIPAL LIFE INSURANCE COMPANY | $318 | $0 | $318 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | $3K | $5K | 35.09% |
| SIMONE HIRSCH3 | 17 SPRING CT HUNTINGTON, NY 11743 | AFLAC | $994 | $0 | $994 | 6.88% |
| CHRISTINE WALSH3 | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $345 | $0 | $345 | 2.39% |
| EMERSON REID LLC3 | 15 ENGLE ST BSMT 3 ENGLEWOOD, NJ 07631 | AFLAC | $223 | $0 | $223 | 1.54% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $211 | $0 | $211 | 1.46% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $160 | $0 | $160 | 1.11% |
| DAWN MASCHAS3 | 1277 SW HIGH POINT LN PALM CITY, FL 34990 | AFLAC | $53 | $0 | $53 | 0.37% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $26 | $0 | $26 | 0.18% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $19 | $0 | $19 | 0.13% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $16 | $0 | $16 | 0.11% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $12 | $0 | $12 | 0.08% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $7 | $0 | $7 | 0.05% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $6 | $0 | $6 | 0.04% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | $0 | $3 | 0.02% |
| BEACON WORKSITE LLC3 | 125 WOLF RD ALBANY, NY 12205 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $72 | $0 | $72 | 2.39% |
| AMERICAN CORPORATE BENEFITS INC3 | 124 SEVEN HILLS LAKE DR KENT LAKES, NY 10512 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $37 | $0 | $37 | 1.23% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $19 | $0 | $19 | 0.63% |
| VELTO WILLIAM3 | 4 SPENCER COURT ORANGEBURG, NY 10962 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $4 | $0 | $4 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $100 | $138 | $238 | 35.52% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $16K |
| Life insurance(3 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 127 | $46K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 43 | $17K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 127 | $39K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 427 | $1.5M |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 127 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.