| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | AETNA LIFE INSURANCE COMPANY | $88K | $0 | $88K | 4.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $7K | $6K | $13K | 16.59% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.61% |
| KENNETH REY VIOLA3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | $0 | $1K | 3.03% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $1K | $27 | $1K | 2.86% |
| ANTHONY ORGERA3 Filed as: ANTHONY R. ORGERA AND OTHER AGENTS | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $1K | $27 | $1K | 2.64% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | AFLAC | $380 | $0 | $380 | 0.98% |
| DYMOND INC3 | 180 WEST 93RD STREET, APT 6B NEW YORK, NY 10025 | AFLAC | $221 | $117 | $338 | 0.87% |
| MAURICE LYONS3 | 1305 FRANKLIN AVENUE, SUITE 210 GARDEN CITY, NY 11530 | AFLAC | $244 | $0 | $244 | 0.63% |
| TODD BURKE3 | 199 WATER STREET, 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $187 | $0 | $187 | 0.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $5K | $9K | 23.39% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 4.60% |
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 | 536 | 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) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 201 | $2.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 201 | $2.2M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 201 | $2.2M |
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 536 | $154K |
| Short-term disability | AFLAC | 37 | $39K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 536 | $38K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 201 | $2.2M |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 536 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.