| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN @ ASSOCIATES INC. | 40 MARCUS DRIVE 3RD FL MELVILLE, NY 11747 | TRU SERVICES | $103K | — | $103K | 12.94% |
| ROBERT C. EHNERT3 | 1120 BLOOMFIELD AVENUE STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.58% |
| ROBERT C. EHNERT3 | 1120 BLOOMFIELD AVENUE STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | — | $20K | 13.68% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 E. 80TH STREET APT 1A NEW YORK, NY 10075 | AFLAC | $14K | $445 | $14K | 12.55% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $2K | — | $2K | 2.01% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $2K | $89 | $2K | 1.60% |
| STEPHEN WHITE3 | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $1K | — | $1K | 0.99% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING CORP | 323 W. 39TH ST. FL 11 NEW YORK, NY 10018 | AFLAC | $647 | — | $647 | 0.57% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $554 | $48 | $602 | 0.53% |
| ANTHONY LIBECCI3 | 205 OLD TOWN RD STATEN ISLAND, NY 10305 | AFLAC | $582 | — | $582 | 0.51% |
| KENNETH MEIER3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $552 | — | $552 | 0.49% |
| DOUGLAS MEIER3 | 14 WALL STREET STE 8C NEW YORK, NY 10005 | AFLAC | $265 | $41 | $306 | 0.27% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $112 | — | $112 | 0.10% |
| BETH MCLEOD3 | 334 BROADWAY DOBBS FERRY, NY 10522 | AFLAC | $64 | — | $64 | 0.06% |
| TIMOTHY CAVAZOS3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $51 | — | $51 | 0.05% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $49 | — | $49 | 0.04% |
| MARIA KOBER3 | 157-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $38 | — | $38 | 0.03% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP. | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $32 | — | $32 | 0.03% |
| MARC LELAND3 | PO BOX 91 NORTHVALE, NJ 07647 | AFLAC | $26 | — | $26 | 0.02% |
| ANDREW HENRY3 | 91 BUFFALO AVE EAST ATLANTIC BEACH, NY 11561 | AFLAC | $23 | — | $23 | 0.02% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $10 | — | $10 | 0.01% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $6 | — | $6 | 0.01% |
| TODD J BURKE CORP3 Filed as: TODD BURKE | 1 SEAPORT PLAZA 23RD FL NEW YORK, NY 10038 | 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% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $1 | — | $1 | 0.00% |
| TOMAS FLORES3 | 1054 GATEWAY BLVD #107 BOYNTON BEACH, FL 33426 | AFLAC | $1 | — | $1 | 0.00% |
| JILL LISA RAPPAPORT Filed as: JILL RAPPAPORT | 141 22ND STREET BROOKLYN, NY 11232 | AFLAC | — | — | $0 | 0.00% |
| ROBERT C. EHNERT3 | 1120 BLOOMFIELD AVE STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD INSURANCE COMPANY | $919 | — | $919 | 5.00% |
| ROBERT C. EHNERT3 | 1120 BLOOMFIELD AVENUE STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD INSURANCE COMPANY | $250 | — | $250 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $835K |
| COOK MARAN @ ASSOCIATES INC. EIN 11-2522973 BROKER | Other commissions Service code 55 | 40 MARCUS DRIVE 3RD FL MELVILLE, NY 11747 | $75K |
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 | 1,453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 943 | $161K |
| Short-term disability | AFLAC | 97 | $113K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 210 | $149K |
| Stop-loss / reinsurancereinsurance | TRU SERVICES | 896 | $796K |
| Other(2 contracts) | FIRST RELIANCE STANDARD INSURANCE COMPANY | 943 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 943 | — |
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.