| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | AETNA INC. | $18K | $6K | $24K | 6.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $102K | $102K | 34.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | — | $11K | 11.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | FIRST UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 1.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 4.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | FIRST UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 1.25% |
| CHRISTOPHER E MOORE | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $2K | — | $2K | 2.98% |
| NANCY LAPHAM Filed as: NANCY A HOAGLAND | 223 BROOK STREET OAKDALE, NY 11769 | AFLAC | $1K | $38 | $1K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AFLAC | $1K | — | $1K | 2.40% |
| BARBARA FONTI3 | 223 WALL STREET SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $888 | — | $888 | 1.59% |
| PATRICK RUHLE | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $756 | $15 | $771 | 1.38% |
| JAMES (JAY) GRIMES | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $434 | — | $434 | 0.78% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $245 | $15 | $260 | 0.46% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BLVD. 4TH FLOOR ALBANY, NY 12211 | AFLAC | $210 | — | $210 | 0.38% |
| 395 MAIN | ST SEATAUKET, NY 11733 | AFLAC | $156 | — | $156 | 0.28% |
| WILLIAM WHICHER Filed as: WILLIAM H WHICHER | 1 LINDEN ST GARDEN CITY, NY 11530 | AFLAC | $146 | $8 | $154 | 0.28% |
| PHILIP MINARCIK3 | 1 MARVIN LANE COMMACK, NY 11725 | AFLAC | $153 | — | $153 | 0.27% |
| ROBERT NIVEYRO3 | 47 FOXGLOVE ROW RIVERHEAD, NY 11901 | AFLAC | $112 | — | $112 | 0.20% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY STE. 1015 W HOLBROOK, NY 11741 | AFLAC | $92 | — | $92 | 0.16% |
| BARBARA ANN MEYER Filed as: BARBARA MEYER | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $86 | — | $86 | 0.15% |
| SHAUN T KONIOR | 225 SOUTH 13TH STREET SUITE 1 LINDENHURST, NY 11757 | AFLAC | $56 | $8 | $64 | 0.11% |
| KENNETH J HARASYM3 | 159 ROUTE 25A UNIT 1 STE D MILLER PLACE, NY 11764 | AFLAC | $45 | — | $45 | 0.08% |
| BRADLEY S RUPPEL | 363 GOOD HOPE ROAD BLUFFTON, SC 29909 | AFLAC | $30 | — | $30 | 0.05% |
| 22 JERICHO TURNPIKE | SUITE 105 MINEOLA, NY 11501 | AFLAC | $29 | — | $29 | 0.05% |
| DIANE ANDREE3 | 15 SMITH STREET MASTIC, NY 11950 | AFLAC | $19 | — | $19 | 0.03% |
| EDWIN O'CONNOR | P.O. BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $15 | — | $15 | 0.03% |
| DOROTHY HOFMANN3 | 255 SOUTH 13TH STREET #1 LINDENHURST, NY 11757 | AFLAC | $10 | — | $10 | 0.02% |
| 125 JERICHO TURNPIKE | SUITE 201 JERICHO, NY 11753 | AFLAC | $3 | — | $3 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | DAVIS VISION | $5K | — | $5K | 10.00% |
| TIMOTHY W POWERS Filed as: TIMOTHY J HELMAN | 2550 STONEHAVEN DR SUN PRAIRIE, WI 53590 | AFLAC | $607 | $35 | $642 | 3.90% |
| BARBARA ANN MEYER | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $354 | — | $354 | 2.15% |
| KEVIN F WARD | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $158 | $16 | $174 | 1.06% |
| ROBERT FELIX Filed as: ROBERT S FELIX | 6650 WILMOT LN AVON, IN 46123 | AFLAC | $130 | $34 | $164 | 1.00% |
| LORAINE SOMMER INC Filed as: LORAINE BARBARA SOMMER | 2188 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $104 | $31 | $135 | 0.82% |
| AMANDA HELMAN Filed as: AMANDA J HELMAN | 2550 STONEHAVEN DR SUN PRAIRIE, WI 53590 | AFLAC | $118 | — | $118 | 0.72% |
| JAMES BUONFIGLIO3 | 485 UNDERHILL BLVD SUITE 304 SYOSSET, NY 11791 | AFLAC | $116 | — | $116 | 0.70% |
| 11260 CHESTER RD | STE 100 CINCINNATI, OH 45246 | AFLAC | $68 | — | $68 | 0.41% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DR CARMEL, IN 46074 | AFLAC | $44 | $16 | $60 | 0.36% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF INDIANA INC. | 11555 N MERIDIAN STREET SUITE 220 CARMEL, IN 46032 | AFLAC | $52 | — | $52 | 0.32% |
| ROBERT NIVEYRO3 | 47 FOXGLOVE ROW RIVERHEAD, NY 11901 | AFLAC | $41 | — | $41 | 0.25% |
| KENNETH MEIER3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $27 | — | $27 | 0.16% |
| BARBARA FONTI Filed as: BARBARA A FONTI | 223 WALL ST. #159 HUNTINGTON, NY 11743 | AFLAC | $27 | — | $27 | 0.16% |
| CAROL MULLEN3 | 1708 MT VERNON DRIVE COVINGTON, KY 41011 | AFLAC | $23 | — | $23 | 0.14% |
| KENNETH MEIER3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $18 | $5 | $23 | 0.14% |
| 11260 CHESTER RD | STE 100 CINCINNATI, OH 45246 | AFLAC | $22 | — | $22 | 0.13% |
| MARLENE GUTTMAN | 9201 SHALLOW CREEK DRIVE LOVELAND, OH 45140 | AFLAC | $19 | — | $19 | 0.12% |
| TODD BURKE3 | 1 SEAPORT PLAZA 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $15 | — | $15 | 0.09% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $15 | — | $15 | 0.09% |
| ASSUREDPARTNERS Filed as: LINDA N SHEPHERD | 7463 BRIDGE POINT PASS CINCINNATI, OH 45248 | AFLAC | $12 | — | $12 | 0.07% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $7 | — | $7 | 0.04% |
| DEBRA HENDRICKSON3 | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $6 | — | $6 | 0.04% |
| MICHAEL E MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $2 | — | $2 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FLOOR ITASCA, NY 60143 | JOHN HANCOCK | $2K | — | $2K | 11.57% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA INC. | 887 | $351K |
| Vision | DAVIS VISION | 976 | $48K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $261K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 339 | $94K |
| Other(6 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 349 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 976 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.