| 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 INSURANCE CO. | $5K | — | $5K | 1.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $8K | — | $8K | 5.00% |
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | 1120 BLOOMFIELD AVE., STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $19K | — | $19K | 13.84% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 110 RUSHMORE CT. FLORHAM PARK, NJ 07932 | AFLAC | $5K | $257 | $6K | 7.58% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVE. BEECHHURST, NY 11357 | AFLAC | $1K | — | $1K | 1.66% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, STE 8C NEW YORK, NY 10005 | AFLAC | $728 | $60 | $788 | 1.04% |
| ANTHONY LIBECCI3 | 4864 ARTHUR KILL RD. STE 3 STATEN ISLAND, NY 10309 | AFLAC | $699 | $60 | $759 | 1.01% |
| STEPHEN WHITE3 | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $614 | — | $614 | 0.81% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 19 MARKWOOD RD. BARDEN CITY, NY 11530 | AFLAC | $285 | — | $285 | 0.38% |
| ENIDA MICI3 | 353 E. 82ND ST. APT. 9 NEW YORK, NY 10028 | AFLAC | $145 | — | $145 | 0.19% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $115 | — | $115 | 0.15% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING CORP. | 323 W. 39TH ST. FL. 11 NEW YORK, NY 10018 | AFLAC | $87 | — | $87 | 0.12% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA NEW YORK, NY 10514 | AFLAC | $54 | — | $54 | 0.07% |
| MARIA KOBER3 | 15712 12TH AVE. BEECHHURST, NY 11357 | AFLAC | $38 | — | $38 | 0.05% |
| TODD J BURKE CORP3 Filed as: TODD BURKE | 199 WATER ST. FL. 23 NEW YORK, NY 10038 | AFLAC | $24 | — | $24 | 0.03% |
| TIMOTHY CAVAZOS3 | 11551 NUCKOLS RD. STE P GLEN ALLEN, VA 23059 | AFLAC | $24 | — | $24 | 0.03% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE RD. SARATOGA SPRINGS, NY 12866 | AFLAC | $21 | — | $21 | 0.03% |
| ROBERT C. EHNERT3 Filed as: ROBERT EHNERT | 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 DEMETRI | 110 RUSHMORE CT. FLORHAM PARK, NJ 07932 | AFLAC | $2K | — | $2K | 7.29% |
| RAYMOND J KOBER3 Filed as: RAYMOND KOBER | 15712 12TH AVE. WHITESTONE, NY 11357 | AFLAC | $284 | — | $284 | 1.26% |
| ANTHONY LIBECCI3 | 4864 ARTHUR KILL RD., STE 3 STATEN ISLAND, NY 10309 | AFLAC | $243 | — | $243 | 1.08% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST., STE 8C NEW YORK, NY 10005 | AFLAC | $233 | — | $233 | 1.03% |
| STEPHEN WHITE3 | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $140 | — | $140 | 0.62% |
| KENNETH MEIER3 | 19 MARKWOOD RD. FOREST HILLS, NY 11375 | AFLAC | $70 | — | $70 | 0.31% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $44 | — | $44 | 0.19% |
| ENIDA MICI3 | 252 E. 82ND ST. APT. 9 NEW YORK, NY 10028 | AFLAC | $29 | — | $29 | 0.13% |
| BETH MCLEOD3 | 334 BROADWAY DOBBS FERRY, NY 10522 | AFLAC | $29 | — | $29 | 0.13% |
| MARC LELAND3 | PO BOX 91 NORTHVALE, NJ 07647 | AFLAC | $28 | — | $28 | 0.12% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $14 | — | $14 | 0.06% |
| JUSTIN GRIFFEY3 | 7 MICHELE DR. CARLISLE, PA 17013 | AFLAC | $7 | — | $7 | 0.03% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II | 23 PINE RIDGE RD. SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | — | $6 | 0.03% |
| TODD J BURKE CORP3 Filed as: TODD BURKE | 365 STEWART AVE. APT. A14 GARDEN CITY, NY 11530 | AFLAC | $4 | — | $4 | 0.02% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $3 | — | $3 | 0.01% |
| TOMAS FLORES3 | 2030 HUDSON STREET 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 AVE., STE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $404 | — | $404 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $778K |
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 | 839 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 721 | $167K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 316 | $283K |
| Short-term disability(2 contracts) | AFLAC | 51 | $98K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 194 | $141K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE - VISTA UNDERWRITING | 86 | $1.3M |
| Other(3 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 1,073 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,073 | — |
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.