| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $7K | $7K | $15K | 19.93% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| TODD J BURKE CORP3 Filed as: TODD BURKE AND OTHER AGENTS | 199 WATER STREET, FLOOR 23 NEW YORK, NY 10038 | AFLAC | $1K | $0 | $1K | 3.75% |
| KENNETH REY VIOLA3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | $0 | $1K | 2.82% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLIANS, NJ 07444 | AFLAC | $983 | $0 | $983 | 2.66% |
| USI INSURANCE SERVICES LLC3 | 600 3RD AVENUE, FLOOR 3 NEW YORK, NY 10016 | AFLAC | $733 | $0 | $733 | 1.98% |
| MARITZA SANTIAGO3 | 1330 KEARNEY AVENUE, FLOOR 2 BRONX, NY 10465 | AFLAC | $465 | $0 | $465 | 1.26% |
| MAYRICE LYONS3 | 1305 FRANKLIN AVENUE, SUITE 210 GARDEN CITY, NY 11530 | AFLAC | $217 | $0 | $217 | 0.59% |
| ANGELA MONTENEGRO3 | 74 HILLAND DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $181 | $0 | $181 | 0.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $4K | $8K | 21.54% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
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 | 482 | 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) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 0 | $0 |
| Dental | AETNA LIFE INSURANCE COMPANY | 0 | $0 |
| Vision(2 contracts, 2 carriers) | AFLAC | 35 | $37K |
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 482 | $147K |
| Short-term disability | AFLAC | 35 | $37K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 482 | $37K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 0 | $0 |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 482 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.