| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | 1120 BLOOMFIELD AVE. STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INS CO. | $5K | — | $5K | 1.97% |
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | 1120 BLOOMFIELD AVE., STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INS CO. | $21K | — | $21K | 13.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN @ ASSOCIATES, INC. | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | VISION SERVICE PLAN | $6K | $0 | $6K | 5.01% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 110 RUSHMORE CT. FLORHAM PARK, NJ 07932 | AFLAC | $9K | $112 | $9K | 10.65% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES, LLC | 14107 20TH AVE. STE 507 WHITESTONE, NY 11357 | AFLAC | $1K | — | $1K | 1.73% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 5 EMERALD LANE MONTEBELLO, NY 10005 | AFLAC | $994 | $22 | $1K | 1.25% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 205 OLD TOWN ROAD STATEN ISLAND, NY 10305 | AFLAC | $661 | $22 | $683 | 0.84% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILLS ROAD STE 3 STATEN ISLAND, NY 10309 | AFLAC | $382 | — | $382 | 0.47% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVE., STE 312 GARDEN CITY, NY 11530 | AFLAC | $336 | — | $336 | 0.41% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $142 | — | $142 | 0.17% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING CORP | 323 W. 39TH ST., FL 11 NEW YORK, NY 10018 | AFLAC | $87 | — | $87 | 0.11% |
| ENIDA MICI3 | 353 E. 82ND ST. APT. 9 NEW YORK, NY 10028 | AFLAC | $72 | — | $72 | 0.09% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $64 | — | $64 | 0.08% |
| MARIA KOBER3 | 15712 12TH AVE BEECHHURST, NY 11357 | AFLAC | $35 | — | $35 | 0.04% |
| ACRISURE LLC3 | 16 W. 36TH ST., FL 11 NEW YORK, NY 10018 | AFLAC | $33 | — | $33 | 0.04% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $26 | — | $26 | 0.03% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $26 | — | $26 | 0.03% |
| TIMOTHY C CAVAZOS3 Filed as: TIMOTHY C. CAVAZOS | 11551 NUCKOLS ROAD, STE P GLEN ALLEN, VA 23059 | AFLAC | $22 | — | $22 | 0.03% |
| RICHARD PETERSON3 | 14107 20TH AVE. STE 507 WHITESTONE, NY 11357 | AFLAC | $19 | — | $19 | 0.02% |
| MATTHEW CERULLA3 | 353 E. 82ND ST., APT. 9 NEW YORK, NY 10028 | AFLAC | $11 | — | $11 | 0.01% |
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | 1120 BLOOMFIELD AVE., STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INS CO. | $2K | — | $2K | 5.00% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY O. DEMETRI | 110 RUSHMORE CT. FLORHAM PARK, NJ 07932 | AFLAC | $3K | $169 | $3K | 11.13% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, STE 8C NEW YORK, NY 10005 | AFLAC | $3K | $169 | $3K | 11.12% |
| RAYMOND J KOBER3 Filed as: RAYMOND J. KOBER | 14107 20TH AVE., STE 507 WHITESTONE, NY 11357 | AFLAC | $405 | $34 | $439 | 1.54% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 205 OLD TOWN ROAD STATEN ISLAND, NY 10305 | AFLAC | $337 | — | $337 | 1.18% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $196 | — | $196 | 0.69% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILL RD., STE 3 STATEN ISLAND, NY 10309 | AFLAC | $107 | — | $107 | 0.37% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 11835 QUEENS BLVD., STE 1403 FOREST HILLS, NY 11375 | AFLAC | $101 | — | $101 | 0.35% |
| RAYMOND J KOBER3 Filed as: RAYMOND J. KOBER | 15712 12TH AVE. WHITESTONE, NY 11357 | AFLAC | $81 | — | $81 | 0.28% |
| DOUGLAS MEIER3 | 14 WALL STREET, STE 8C NEW YORK, NY 10005 | AFLAC | $79 | — | $79 | 0.28% |
| BETH ANN MCLEOD3 | 334 BROADWAY DOBBS FERRY, NY 10522 | AFLAC | $60 | — | $60 | 0.21% |
| MARC LELAND3 Filed as: MARC B.. LELAND | PO BOX 91 NORTHVALE, NJ 07647 | AFLAC | $24 | — | $24 | 0.08% |
| BRIAN WHITE3 Filed as: BRIAN M. WHITE | 6 CODWIN LANE CHAPPAQUA, NY 10514 | AFLAC | $20 | — | $20 | 0.07% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $9 | — | $9 | 0.03% |
| JUSTIN GRIFFEY3 | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | AFLAC | $6 | — | $6 | 0.02% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE | 401 E. 80TH ST. APT. 6J NEW YORK, NY 10075 | AFLAC | $6 | — | $6 | 0.02% |
| KEVIN R MCINERNEY3 Filed as: KEVIN R. MCINERNEY | 580 WHITE PLAINS RD., STE 600 TARRYTOWN, NY 10591 | AFLAC | $3 | — | $3 | 0.01% |
| TOMAS FLORES3 | 1265 15TH ST., APT. 16G FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT C. EHNERT3 | 1120 BLOOMFIELD AVE., STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INS CO. | $403 | — | $403 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | 2300 MAIN STREE IRVINE, CA 92614 | $2.7M |
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $14K |
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 | 976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 841 | $127K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INS CO. | 1,176 | $271K |
| Short-term disability | AFLAC | 26 | $29K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INS CO. | 211 | $156K |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INS CO. | 1,176 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,176 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.