| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | AETNA | $14K | — | $14K | 1.79% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | AETNA | $14K | — | $14K | 1.78% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 13.59% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.59% |
| COBB B LLC3 | 10-57 JACKSON AVENUE LONG ISLAND CITY, NY 11101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $465 | — | $465 | 0.60% |
| DONALD ERIC HOYER3 | 46 HERON STREET LONG BEACH, NY 11561 | AFLAC | $2K | — | $2K | 5.22% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE AGENCY INC | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | AFLAC | $1K | — | $1K | 2.81% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $892 | — | $892 | 2.29% |
| COBB B LLC3 | 145 WEST 45TH STREET 6TH FLOOR NEW YORK, NY 10036 | AFLAC | $827 | — | $827 | 2.12% |
| CLINTON JOHNSON3 Filed as: CLINTON WAYNE JOHNSON | 430 EAST 22ND STREET APARTMENT 3B BROOKLYN, NY 11226 | AFLAC | $704 | — | $704 | 1.80% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $303 | — | $303 | 0.78% |
| ENIDA MICI3 | 353 EAST 82ND STREET APARTMENT 9 NEW YORK, NY 10028 | AFLAC | $261 | — | $261 | 0.67% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $254 | — | $254 | 0.65% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $200 | — | $200 | 0.51% |
| RICHARD PETERSON3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $170 | — | $170 | 0.44% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NY 07444 | AFLAC | $125 | — | $125 | 0.32% |
| MARILYN BARNAVE3 | 9727 AVENUE L BROOKLYN, NY 11236 | AFLAC | $123 | — | $123 | 0.32% |
| SHEILA MARIE CHESTERMAN3 | 95 VIRGINIA STREET TAPPAN, NY 10983 | AFLAC | $72 | — | $72 | 0.18% |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $41 | — | $41 | 0.11% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $41 | — | $41 | 0.11% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $38 | — | $38 | 0.10% |
| RICHARD WHELAN3 | 3507 NORTHWEST CLUBSIDE CIRCLE BOCA RATON, FL 33496 | AFLAC | $18 | — | $18 | 0.05% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 78 | $786K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $77K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $77K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $77K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $77K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.