| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | 1120 BLOOMFIELD AVENUE, STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 1.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC. | 40 MARCUS DRIVE, 3RD FL MELVILLE, NY 11747 | TOKIO MARINE | $16K | — | $16K | 6.55% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR. STE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | $7K | — | $7K | 4.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC. | 40 MARCUS DRIVE, 3RD FL MELVILLE, NY 11747 | VISION SERVICE PLAN | $1K | — | $1K | 0.87% |
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | 1120 BLOOMFIELD AVENUE, STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | — | $20K | 13.80% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 110 RUSHMORE CT. FLORHAM PARK, NJ 07932 | AFLAC | $11K | $544 | $11K | 11.78% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE. STE 507 WHITESTONE, NY 11357 | AFLAC | $2K | — | $2K | 1.75% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILL ROAD, STE 3 STATEN ISLAND, NY 10309 | AFLAC | $1K | $109 | $2K | 1.68% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, STE 8C NEW YORK, NY 10005 | AFLAC | $1K | $108 | $1K | 1.43% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $819 | — | $819 | 0.86% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $382 | — | $382 | 0.40% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 2 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $141 | — | $141 | 0.15% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING CORP. | 323 W. 39TH ST. FL. 11 NEW YORK, NY 10018 | AFLAC | $94 | — | $94 | 0.10% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $72 | — | $72 | 0.08% |
| MARIA KOBER3 | 15712 12TH AVE. BEECHHURST, NY 11357 | AFLAC | $45 | — | $45 | 0.05% |
| ENIDA MICI3 | 353 E. 82ND STREET, APT 9 NEW YORK, NY 10028 | AFLAC | $39 | — | $39 | 0.04% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP. | 40 MAXWELL RD. GARDEN CITY, NY 11530 | AFLAC | $32 | — | $32 | 0.03% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $27 | — | $27 | 0.03% |
| TIMOTHY C CAVAZOS3 Filed as: TIMOTHY C. CAVAZOS | 11551 NUCKOLS ROAD, STE P GLEN ALLEN, VA 23059 | AFLAC | $26 | — | $26 | 0.03% |
| ACRISURE LLC3 | 16 W. 36TH ST. FL 11 NEW YORK, NY 10018 | AFLAC | $18 | — | $18 | 0.02% |
| RICHARD PETERSON3 | 19 IDLE DAY DR. CENTERPORT, NY 11721 | AFLAC | $10 | — | $10 | 0.01% |
| MATTHEW CERULLA3 | 353 E. 82ND ST. APT. 9 NEW YORK, NY 10028 | AFLAC | $6 | — | $6 | 0.01% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY O. DEMETRI | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $2K | $93 | $2K | 7.13% |
| RAYMOND J KOBER3 Filed as: RAYMOND J. KOBER | 15712 12TH AVE. WHITESTONE, NY 11357 | AFLAC | $391 | — | $391 | 1.33% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, STE 8C NEW YORK, NY 10005 | AFLAC | $314 | $18 | $332 | 1.13% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILL RD. STE 3 STATEN ISLAND, NY 10309 | AFLAC | $298 | $19 | $317 | 1.08% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $181 | — | $181 | 0.62% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 19 MARKWOOD RD. FOREST HILLS, NY 11375 | AFLAC | $94 | — | $94 | 0.32% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $79 | — | $79 | 0.27% |
| BETH ANN MCLEOD3 | 334 BROADWAY DOBBS FERRY, NY 10522 | AFLAC | $64 | — | $64 | 0.22% |
| MARC LELAND3 Filed as: MARC B. LELAND | PO BOX 91 NORTHVALE, NJ 07647 | AFLAC | $30 | — | $30 | 0.10% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $19 | — | $19 | 0.06% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $7 | — | $7 | 0.02% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II | 23 PINE RIDGE RD. SARATOGA SPRINGS, NY 12866 | AFLAC | $7 | — | $7 | 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 | $4 | — | $4 | 0.01% |
| TOMAS FLORES3 | 2030 HUDSON ST. APT. 942 FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DR. NORTH KINGSTOWN, RI 02852 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | 1120 BLOOMFIELD AVENUE, STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | 1120 BLOOMFIELD AVENUE, STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $397 | — | $397 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MNGMNT | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | 2300 MAIN ST. IRVINE, CA 92614 | $2.8M |
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $732K |
| COOK, MARAN & ASSOCIATIES INC. EIN 11-2522973 BROKER | Other commissions Service code 55 | 40 MARCUS DR. 3RD FL MELVILLE, NY 11747 | $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 | 830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 77 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 727 | $167K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,253 | $261K |
| Short-term disability(2 contracts) | AFLAC | 66 | $125K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $143K |
| Other(4 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,253 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,253 | — |
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.