| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES INC. | 461 PANTIGO RD. EAST HAMPTON, NY 11937 | STANDARD SECURITY LIFE INSURANCE CO. OF NEW YORK | $102K | — | $102K | 13.99% |
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | 555 PASSAIC AVE WEST CALDWELL, NJ 07006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.70% |
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | 555 PASSAIC AVE WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 15.92% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 E. 80TH ST. APT 1A NEW YORK, NY 10075 | AFLAC | $6K | $257 | $6K | 10.38% |
| KOBER ASSOCIATES LLC3 | 214-25 42ND AVE. 4TH FL BAYSIDE, NY 11361 | AFLAC | $2K | — | $2K | 2.56% |
| STEPHEN WHITE3 | 214-25 42 AVE 4TH FL BAYSIDE, NY 11361 | AFLAC | $879 | $36 | $915 | 1.48% |
| KENNETH MEIER3 Filed as: KENNETH MEIER CORP. | 401 FRANKLIN AVENUE SUITE 132 GARDEN CITY, NY 11530 | AFLAC | $487 | $55 | $542 | 0.88% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $300 | $19 | $319 | 0.52% |
| TIMOTHY CAVAZOS3 | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $257 | $7 | $264 | 0.43% |
| ANDREW HENRY3 | 615 W. PARK AVE LONG BEACH, NY 11561 | AFLAC | $193 | $12 | $205 | 0.33% |
| JILL LISA RAPPAPORT3 | 139 22ND ST. APT B BROOKLYN, NY 11232 | AFLAC | $177 | — | $177 | 0.29% |
| TOMINICA BEACH3 | 300 GRAMATAN AVE APT. 3C MOUNT VERNON, NY 10552 | AFLAC | $52 | $18 | $70 | 0.11% |
| TREVOR FENNELL3 | 820 N. ORLEANS ST. STE 405 CHICAGO, IL 60610 | AFLAC | $36 | $12 | $48 | 0.08% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER. POMPTON PLAINS, NJ 07444 | AFLAC | $43 | — | $43 | 0.07% |
| MARIA KOBER3 | 157-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $32 | — | $32 | 0.05% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $708 | — | $708 | 20.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MNGMNT | Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | 2300 MAIN ST IRVINE, CA 92614 | $1.8M |
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $427K |
| COOK MARAN & ASSOCIATES INC. EIN 11-2522973 BROKER | Other commissions Service code 55 | 461 PANTIGO RD. EAST HAMPTON, NY 11937 | $29K |
| ALLIANT INSURANCE SERVICES INC. EIN 33-0785439 BROKER | Other commissions Service code 55 | 701 B ST. FL. 6 SAN DIEGO, CA 92101 | $28K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WASAU, WI 54402 | $13K |
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 | 1,020 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 839 | $342K |
| Short-term disability | AFLAC | 64 | $62K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $108K |
| Other(3 contracts, 3 carriers) | STANDARD SECURITY LIFE INSURANCE CO. OF NEW YORK | 839 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 839 | — |
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.