| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | UNKNOWN NEW YORK, NY 10020 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $294K | $0 | $294K | 18.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | PO BOX 28031 NEW YORK, NY 10087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $48K | $0 | $48K | 11.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 350 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 2.86% |
| DANA M CRUZ3 Filed as: DANA M. CRUZ | 3 HAVEN PLAZA, APT 11B NEW YORK, NY 10009 | AFLAC | $1K | $52 | $1K | 9.65% |
| WILFRED COGER3 | 230 PARK AVENUE, RM 1009 NEW YORK, NY 10169 | AFLAC | $761 | $0 | $761 | 5.00% |
| SPHEREC GROUP LLC3 | 388 BRIDGE STREET, APT 34G BROOKLYN, NY 11201 | AFLAC | $503 | $12 | $515 | 3.39% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 31 STRATFORD GREEN FARMINGDALE, NY 11735 | AFLAC | $197 | $12 | $209 | 1.37% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $109 | $0 | $109 | 0.72% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER CORP & OTHER AGENTS | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $101 | $0 | $101 | 0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER | 2640 LAKE SHORE DRIVE, UNIT 411 RIVIERA BEACH, FL 33404 | AFLAC | $47 | $0 | $47 | 0.31% |
| DANA M CRUZ3 Filed as: DANA M. CRUZ | 3 HAVEN PLAZA, APT 11B NEW YORK, NY 10009 | AFLAC | $960 | $0 | $960 | 7.47% |
| WILFRED COGER3 | 230 PARK AVENUE, RM 1009 NEW YORK, NY 10169 | AFLAC | $767 | $0 | $767 | 5.97% |
| ROBERT TABAN DONATO3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $348 | $0 | $348 | 2.71% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 31 STRATFORD GREEN FARMINGDALE, NY 11735 | AFLAC | $135 | $0 | $135 | 1.05% |
| RICHARD WHELAN3 Filed as: RICHARD WHELAN AND OTHER AGENTS | 3887 NW 52ND STREET BOCA RATON, FL 33496 | AFLAC | $123 | $0 | $123 | 0.96% |
| KEITH LEPACK3 | 1991 BROADWAY, APT 12B NEW YORK, NY 10023 | AFLAC | $72 | $0 | $72 | 0.56% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $67 | $0 | $67 | 0.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | HARTFORD LIFE INSURANCE COMPANY | $313 | $19 | $332 | 26.56% |
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 | 440 | 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) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 828 | $1.6M |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 853 | $671K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 828 | $1.6M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 440 | $430K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 440 | $430K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 440 | $430K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 828 | $1.6M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 440 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 853 | — |
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.