| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT C. EHNERT3 | 1120 BLOOMFIELD AVE., STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $5K | — | $5K | 1.81% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR. STE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | $4K | — | $4K | 2.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $3K | — | $3K | 2.09% |
| ROBERT C. EHNERT3 | 1120 BLOOMFIELD AVE., STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $18K | — | $18K | 14.04% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 110 RUSHMORE CT. FLORHAM PARK, NJ 07932 | AFLAC | $8K | $17 | $8K | 11.33% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES, LLC | 57-12TH AVE. BEECHHURST, NY 11357 | AFLAC | $1K | — | $1K | 2.16% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILL RD. STE 3 STATEN ISLAND, NY 10309 | AFLAC | $1K | $4 | $1K | 1.59% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, STE 8C NEW YORK, NY 10005 | AFLAC | $937 | $4 | $941 | 1.39% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $717 | — | $717 | 1.06% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 19 MARKWOOD RD. GARDEN CITY, NY 11530 | AFLAC | $332 | — | $332 | 0.49% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $129 | — | $129 | 0.19% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING CORP. | 323 W. 39TH ST. FL 11 NEW YORK, NY 10018 | AFLAC | $94 | — | $94 | 0.14% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $63 | — | $63 | 0.09% |
| MARIA KOBER3 | 15712 12TH AVE. BEECHHURST, NY 11357 | AFLAC | $41 | — | $41 | 0.06% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP. | 40 MAXWELL RD. GARDEN CITY, NY 11530 | AFLAC | $28 | — | $28 | 0.04% |
| TIMOTHY C CAVAZOS3 Filed as: TIMOTHY C. CAVAZOS | 11551 NUCKOLS RD. STE P GLEN ALLEN, VA 23059 | AFLAC | $26 | — | $26 | 0.04% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE RD. SARATOGA SPRINGS, NY 12866 | AFLAC | $24 | — | $24 | 0.04% |
| ROBERT C. EHNERT3 | 1120 BLOOMFIELD AVE., STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $1K | — | $1K | 5.00% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY O. DEMETRI | 110 RUSHMORE COURT FLORHAM PARK, NJ 07932 | AFLAC | $1K | — | $1K | 6.16% |
| RAYMOND J KOBER3 Filed as: RAYMOND J. KOBER | 15712 12TH AVE. WHITESTONE, NY 11357 | AFLAC | $332 | — | $332 | 1.38% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILL RD. STE 3 STATEN ISLAND, NY 10309 | AFLAC | $239 | — | $239 | 0.99% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, STE 8C NEW YORK, NY 10005 | AFLAC | $233 | — | $233 | 0.97% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $153 | — | $153 | 0.64% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $79 | — | $79 | 0.33% |
| BETH ANN MCLEOD3 | 334 BROADWAY DOBBS FERRY, NY 10522 | AFLAC | $64 | — | $64 | 0.27% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $56 | — | $56 | 0.23% |
| MARC LELAND3 Filed as: MARC B. LELAND | PO BOX 91 NORTHVALE, NJ 07647 | AFLAC | $28 | — | $28 | 0.12% |
| BRIAN WHITE3 Filed as: BRIAN M. WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $15 | — | $15 | 0.06% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II | 23 PINE RIDGE RD. SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | — | $6 | 0.02% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFISDE PARK, NJ 07010 | AFLAC | $5 | — | $5 | 0.02% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE | 365 STEWART AVE APT. A14 GARDEN CITY, NY 11530 | AFLAC | $5 | — | $5 | 0.02% |
| KEVIN R MCINERNEY3 Filed as: KEVIN R. MCINERNEY | 580 WHITE PLAINS RD. STE 600 TARRYTOWN, NY 10591 | AFLAC | $3 | — | $3 | 0.01% |
| JUSTIN GRIFFEY3 | 7 MICHELE DR. CARLISLE, PA 17013 | AFLAC | $2 | — | $2 | 0.01% |
| TOMAS FLORES3 | 2030 HUDSON STREET APT. 942 FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT C. EHNERT3 | 1120 BLOOMFIELD AVE., STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $357 | — | $357 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | 2300 MAIN ST IRVINE, CA 92614 | $2.5M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $626K |
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 | 804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 689 | $139K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 947 | $252K |
| Short-term disability(2 contracts) | AFLAC | 52 | $92K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 185 | $131K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 814 | $2.0M |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 947 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.