| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $27 | $3K | 2.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3716 NORFOLK, VA 235143716 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $27 | $2K | 1.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 4.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | SUN LIFE AND HEALTH INSURANCE COMPANY | $992 | — | $992 | 1.24% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK STE 400 FAIRPORT, NY 14450 | AFLAC | $3K | — | $3K | 5.09% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVE FL 5 NEW YORK, NY 10016 | AFLAC | $2K | — | $2K | 3.69% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $1K | $495 | $2K | 3.36% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $554 | $83 | $637 | 1.24% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER LUBELSKY | 80 JOHN ST 11C NEW YORK, NY 10038 | AFLAC | $581 | — | $581 | 1.13% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $574 | — | $574 | 1.11% |
| DEBRA PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $339 | — | $339 | 0.66% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $223 | — | $223 | 0.43% |
| DESMOND DEIS3 | 5-09 48TH AVE APT 6H LONG ISLAND CITY, NY 11101 | AFLAC | $204 | — | $204 | 0.40% |
| MARY TORPEY3 | 3 PULVER PL SPRING VALLEY, NY 10977 | AFLAC | $198 | — | $198 | 0.38% |
| STEVEN DALABA3 | 1215 PEBBLE MEADOWS DRIVE LEWISVILLE, NC 27023 | AFLAC | $161 | — | $161 | 0.31% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $135 | — | $135 | 0.26% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO LLC | 100 WALL ST FL 28 NEW YORK, NY 10005 | AFLAC | $115 | — | $115 | 0.22% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE STE 312 GARDEN CITY, NY 11530 | AFLAC | $88 | — | $88 | 0.17% |
| JILL LISA RAPPAPORT3 Filed as: JILL RAPPAPORT | 139 22ND STREET APT B BROOKLYN, NY 11232 | AFLAC | $81 | — | $81 | 0.16% |
| DAVID A COLLISON3 | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $46 | — | $46 | 0.09% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $44 | — | $44 | 0.09% |
| IRA EDENBAUM3 | 1 CARLETON DRIVE FREEHOLD, NJ 07728 | AFLAC | $32 | — | $32 | 0.06% |
| BRIAN WHITE3 | 8 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $19 | — | $19 | 0.04% |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $19 | — | $19 | 0.04% |
| NICHOLAS PETERSON3 | 3333 BROADWAY APT C17H NEW YORK, NY 10031 | AFLAC | $17 | — | $17 | 0.03% |
| BETH SERFILIPPI3 | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $14 | — | $14 | 0.03% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $11 | — | $11 | 0.02% |
| TIMOTHY CAVAZOS3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $10 | — | $10 | 0.02% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AFLAC | $8 | — | $8 | 0.02% |
| DAVID WEINGARTNER3 Filed as: DAVID M WEINGARTNER | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $8 | — | $8 | 0.02% |
| KAITLYN HERWIG3 | 83 LONERGAN DR SUFFERN, NY 10901 | AFLAC | $8 | — | $8 | 0.02% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 333 GLEN STREET STE 201 GLENS FALLS, NY 12801 | AFLAC | $7 | — | $7 | 0.01% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD STE 600 TARRYTOWN, NY 10591 | AFLAC | $6 | — | $6 | 0.01% |
| LAURIE SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $5 | — | $5 | 0.01% |
| JANINE FOX3 | 5303 HARMONY MILLS WEST COHOES, NY 12047 | AFLAC | $4 | — | $4 | 0.01% |
| GREGORY E MEYER3 | 1582 RUNNING DEER DR KERNERSVILLE, NC 27284 | AFLAC | $4 | — | $4 | 0.01% |
| GERALD DE SOUZA3 | 7375 SPRING MOUNTAIN DR EAST SYRACUSE, NY 13057 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FL ALBANY, NY 12211 | AFLAC | $2 | — | $2 | 0.00% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $1 | — | $1 | 0.00% |
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 | 1,000 | 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) | 1,008 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,271 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 839 | $128K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 839 | $128K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,171 | $80K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,271 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 839 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,271 | — |
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."
No prospect flags tripped on this filing.