| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT C. EHNERT3 | 1120 BLOOMFIELD AVENUE SUITE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $8K | — | $8K | 4.99% |
| ROBERT C. EHNERT3 Filed as: ROBERT C EHNERT | 1120 BLOOMFIELD AVENUE SUITE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $0 | $18K | 14.16% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $6K | $74 | $6K | 8.77% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $987 | $0 | $987 | 1.45% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $808 | $17 | $825 | 1.21% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 4864 ARTHUR KILL RD STE 3 STATEN ISLAND, NY 10309 | AFLAC | $594 | $0 | $594 | 0.87% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $484 | $0 | $484 | 0.71% |
| ENIDA MICI3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $394 | $17 | $411 | 0.60% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $227 | $0 | $227 | 0.33% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $104 | $0 | $104 | 0.15% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOC LLC | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | AFLAC | $58 | $0 | $58 | 0.09% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $44 | $0 | $44 | 0.06% |
| MARIA KOBER3 | 15712 12TH AVE BEECHHURST, NY 11357 | AFLAC | $35 | $0 | $35 | 0.05% |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $22 | $0 | $22 | 0.03% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING CORP | 323 W 39TH ST FL 11 NEW YORK, NY 10018 | AFLAC | $22 | $0 | $22 | 0.03% |
| TODD J BURKE CORP3 Filed as: TODD BURKE | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $18 | $0 | $18 | 0.03% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $18 | $0 | $18 | 0.03% |
| ROBERT C. EHNERT3 | 1120 BLOOMFIELD AVENUE SUITE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| KIMBERLY O DEMETRI3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $1K | $0 | $1K | 7.65% |
| RAYMOND J KOBER3 | 15712 12TH AVE WHITESTONE, NY 11357 | AFLAC | $226 | $0 | $226 | 1.25% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 4864 ARTHUR KILL RD STE 3 STATEN ISLAND, NY 10309 | AFLAC | $210 | $0 | $210 | 1.16% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST. STE 8C NEW YORK, NY 10005 | AFLAC | $188 | $0 | $188 | 1.04% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $119 | $0 | $119 | 0.66% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $56 | $0 | $56 | 0.31% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $30 | $0 | $30 | 0.17% |
| ENIDA MICI3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $27 | $0 | $27 | 0.15% |
| MARC LELAND3 Filed as: MARC B LELAND | PO BOX 91 NORTHVALE, NJ 07647 | AFLAC | $24 | $0 | $24 | 0.13% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $12 | $0 | $12 | 0.07% |
| JUSTIN GRIFFEY3 | 7 MICHELE DR CARLISLE, PA 17013 | AFLAC | $6 | $0 | $6 | 0.03% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $5 | $0 | $5 | 0.03% |
| KEVIN R MCINERNEY3 Filed as: KEVIN R. MCINERNEY | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $3 | $0 | $3 | 0.02% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE | 23 MEADOW ROAD SETAUKET, NY 11733 | AFLAC | $3 | $0 | $3 | 0.02% |
| KEVIN MCCARTHY3 Filed as: KEVIN MC CARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $1 | $0 | $1 | 0.01% |
| TOMAS FLORES3 | 2030 HUDSON STREET APT 942 FORT LEE, NJ 07024 | AFLAC | $1 | $0 | $1 | 0.01% |
| ROBERT C. EHNERT3 | 1120 BLOOMFIELD AVENUE SUITE 108 WEST CALDWELL, NJ 07006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $344 | $0 | $344 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $504K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 06-6033492 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $16K |
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 | 1,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,087 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 709 | $165K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,506 | $281K |
| Short-term disability(2 contracts) | AFLAC | 52 | $86K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $126K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 851 | $1.5M |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,102 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,506 | — |
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.