| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $98K | $0 | $98K | 5.01% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $22K | $22K | 1.12% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $2K | $13K | 17.48% |
| MJ INSURANCE3 Filed as: CIRO ABRIL AND VARIOUS AGENTS | 18 BRACKEN COURT HOWELL, NJ 07731 | AFLAC | $152 | $0 | $152 | 3.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $86 | $0 | $86 | 2.00% |
| CHRISTOPHER TARI3 | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $50 | $0 | $50 | 1.16% |
| WILLIAM WHICHER3 Filed as: WILLIAM H. WHICHER | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $30 | $0 | $30 | 0.70% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRANCE POMPTON PLAINS, NJ 07444 | AFLAC | $28 | $0 | $28 | 0.65% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $27 | $0 | $27 | 0.63% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $27 | $0 | $27 | 0.63% |
| BARBARA FONTI3 Filed as: BARBARA A. FONTI | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $42 | $0 | $42 | 6.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $42 | $0 | $42 | 6.73% |
| GAIL A. CONIGLIONE3 | 103 BRETTWOOD DRIVE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $27 | $0 | $27 | 4.33% |
| WILLIAM WHICHER3 Filed as: WILLIAM H. WHICHER | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $17 | $0 | $17 | 2.72% |
| CIRO ABRIL3 | 18 BRACKEN COURT HOWELL, NJ 07731 | AFLAC | $15 | $0 | $15 | 2.40% |
| MJ INSURANCE3 Filed as: KENNETH C. MEIER AND VARIOUS AGENTS | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $12 | $0 | $12 | 1.92% |
| RICHARD PETERSON3 Filed as: RICHARD D. PETERSON | 19 IDLE DAY DRIVE CETERPORT, NY 11721 | AFLAC | $11 | $0 | $11 | 1.76% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $2.0M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 174 | $76K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 174 | $76K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $2.0M |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 174 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.