| 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 | $21K | $0 | $21K | 5.10% |
| USI INSURANCE SERVICES LLC3 | 600 THIRD AVENUE, 3RD FLOOR NEW YORK, NY 10016 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $164 | $0 | $164 | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $9K | $0 | $9K | 5.00% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY O. DEMETRI | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $1K | $22 | $1K | 6.94% |
| RAYMOND J KOBER3 Filed as: RAYMOND J. KOBER | 15712 12TH AVENUE WHITESTONE, NY 11357 | AFLAC | $246 | $0 | $246 | 1.31% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILL ROAD, SUITE 3 STATEN ISLAND, NY 10309 | AFLAC | $224 | $0 | $224 | 1.19% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $184 | $5 | $189 | 1.01% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $127 | $0 | $127 | 0.68% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER AND OTHER AGENTS | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $79 | $5 | $84 | 0.45% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $60 | $0 | $60 | 0.32% |
No Schedule C service providers reported on this filing.
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 | 1,067 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 745 | $181K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,575 | $405K |
| Short-term disability | AFLAC | 18 | $19K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,575 | $405K |
| Other(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,575 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,575 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.