| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC. | 461 PANTIGO RD. EAST HAMPTON, NY 11937 | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $97K | — | $97K | 12.78% |
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | THE EHNERT AGENCY 1120 BLOOMFIELD AVE., STE 108 WEST CALDWELL, NJ 07006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.79% |
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | 555 PASSAIC AVE WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 13.79% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 E. 80TH ST. APT 1A NEW YORK, NY 10075 | AFLAC | $11K | $329 | $12K | 11.92% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES, LLC | 14107 20TH AVE., STE 507 WHITESTONE, NY 11357 | AFLAC | $2K | — | $2K | 1.70% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST., STE 8C NEW YORK, NY 10005 | AFLAC | $1K | $34 | $1K | 1.34% |
| STEPHEN WHITE3 | 21425 42ND AVE., 4TH FL BAYSIDE, NY 11361 | AFLAC | $1K | — | $1K | 1.14% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $788 | $24 | $812 | 0.83% |
| KENNETH MEIER3 Filed as: KENNETH MEIER CORP. | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $567 | — | $567 | 0.58% |
| RAYMOND J KOBER3 Filed as: RAYMOND KOBER | 14107 20TH AVE. STE 507 WHITESTONE, NY 11357 | AFLAC | $526 | — | $526 | 0.54% |
| TIMOTHY CAVAZOS3 | 401 FRANKLIN AVE., STE 312 GARDEN CITY, NY 11530 | AFLAC | $96 | $42 | $138 | 0.14% |
| JILL LISA RAPPAPORT3 | 139 22ND ST., APT. B BROOKLYN, NY 11232 | AFLAC | $105 | $32 | $137 | 0.14% |
| BETH ANN MCLEOD3 | 334 BROADWAY DOBBS FERRY, NY 10522 | AFLAC | $55 | — | $55 | 0.06% |
| ANDREW HENRY3 | 37 FLORIDA ST. LONG BEACH, NY 11561 | AFLAC | $38 | — | $38 | 0.04% |
| MARIA KOBER3 | 157-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $35 | — | $35 | 0.04% |
| ANDREW HENRY3 | 615 W, PARK AVE. LONG BEACH, NY 11561 | AFLAC | $30 | — | $30 | 0.03% |
| MARC LELAND3 | PO BOX 91 NORTHVALE, NJ 07647 | AFLAC | $24 | — | $24 | 0.02% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $22 | — | $22 | 0.02% |
| TOMINICA BEACH3 | 300 GRAMATAN AVE APT. 3C MOUNT VERNON, NY 10552 | AFLAC | $21 | — | $21 | 0.02% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD. STE 1403 FOREST HILLS, NY 11375 | AFLAC | $21 | — | $21 | 0.02% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II INC. | 401 FRANKLIN AVE. SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $11 | — | $11 | 0.01% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP. | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $6 | — | $6 | 0.01% |
| JUSTIN GRIFFEY3 | 535 CONNECTICUT AVE., STE 103 NORWALK, CT 06854 | AFLAC | $6 | — | $6 | 0.01% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $3 | — | $3 | 0.00% |
| TOMAS FLORES3 | 4201 N. OCEAN BLVD., BLDG C APT 1403 BOCA RATON, FL 33431 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DR. NORTH KINGSTOWN, RI 02852 | AFLAC | $1 | — | $1 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $728 | — | $728 | 20.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX INC. EIN 33-0441200 PHARMACY BENEFIT MANGER | Other fees; Claims processing; Float revenue; Direct payment from the plan 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 | $493K |
| COOK MARAN & ASSOCIATES INC. EIN 11-2522973 BROKER | Other commissions Service code 55 | 461 PANTIGO RD. EAST HAMPTON, NY 11937 | $48K |
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 | 1,168 | 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) | 1,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 895 | $410K |
| Short-term disability | AFLAC | 121 | $98K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $133K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 671 | $758K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 895 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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.