| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. FKA SLIA | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $281K | $0 | $281K | 22.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. FKA SLIA INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $38K | $0 | $38K | 11.43% |
| WILFRED COGER3 Filed as: WILFRED E COGER | 230 PARK AVE RM 1000 NEW YORK, NY 10169 | AFLAC | $951 | $33 | $984 | 9.11% |
| DANA M CRUZ3 | 3 HAVEN PLZ APT 11B NEW YORK, NY 10009 | AFLAC | $227 | $33 | $260 | 2.41% |
| ROBERT TABAN DONATO3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $143 | $15 | $158 | 1.46% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $88 | $15 | $103 | 0.95% |
| KEITH LEPACK3 | 1991 BROADWAY APT 12B NEW YORK, NY 10023 | AFLAC | $66 | $0 | $66 | 0.61% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $48 | $0 | $48 | 0.44% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $42 | $0 | $42 | 0.39% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $16 | $0 | $16 | 0.15% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $14 | $0 | $14 | 0.13% |
| MELISSA ANN STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $13 | $0 | $13 | 0.12% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $3 | $0 | $3 | 0.03% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $2 | $0 | $2 | 0.02% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | $0 | $1 | 0.01% |
| DANA M CRUZ3 | 3 HAVEN PLZ APT 11B NEW YORK, NY 10009 | AFLAC | $1K | $29 | $1K | 12.06% |
| WILFRED COGER3 | 230 PARK AVE RM 1000 NEW YORK, NY 10169 | AFLAC | $1K | $9 | $1K | 11.28% |
| SPHEREC GROUP LLC3 | 388 BRIDGE ST APT 34G BROOKLYN, NY 11201 | AFLAC | $461 | $23 | $484 | 4.70% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $308 | $12 | $320 | 3.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G GALLAGHER | 2640 LAKE SHORE DR UNIT 411 RIVIERA BEACH, FL 33404 | AFLAC | $38 | $0 | $38 | 0.37% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $36 | $0 | $36 | 0.35% |
| KEITH LEPACK3 | 1991 BROADWAY APT 12B NEW YORK, NY 10023 | AFLAC | $29 | $0 | $29 | 0.28% |
| TREVOR FENNELL3 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $15 | $0 | $15 | 0.15% |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $12 | $0 | $12 | 0.12% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $6 | $0 | $6 | 0.06% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $6 | $0 | $6 | 0.06% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | $0 | $3 | 0.03% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $2 | $0 | $2 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | HARTFORD LIFE INSURANCE COMPANY | $313 | $0 | $313 | 25.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE INSURANCE COMPANY | $0 | $19 | $19 | 1.52% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 740 | $1.3M |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 359 | $573K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 740 | $1.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 394 | $332K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 394 | $332K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 394 | $332K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 740 | $1.3M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 394 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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.