| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY WARNER3 | 10 LAKE STREET, 2ND FLOOR MONROE, NY 10950 | AFLAC | $2K | $394 | $2K | 7.83% |
| BRIAN K. ADACH3 | 1722 STATE ROUTE 32 MODENA, NY 12548 | AFLAC | $892 | $1 | $893 | 2.85% |
| MJ INSURANCE3 Filed as: NICHOLAS MCELROY AND VARIOUS AGENTS | PO BOX 1068 MONROE, NY 10949 | AFLAC | $522 | — | $522 | 1.67% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK R. SIRACUSA | 225 DOLSON AVENUE, SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $373 | $112 | $485 | 1.55% |
| W E BRENNAN INC3 Filed as: WE BRENNAN, INC. | 5 CORPORATE DRIVE, SUITE 104 CENTRAL VALLEY, NY 10917 | AFLAC | $407 | — | $407 | 1.30% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE, SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $286 | $112 | $398 | 1.27% |
| MCINERNEY GROUP LLC3 Filed as: MCINERNEY GROUP, LLC | 580 WHITE PLAINS ROAD, SUITE 800 TARRYTOWN, NY 10591 | AFLAC | $276 | $112 | $388 | 1.24% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 153 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.