| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBB B LLC3 | D/B/A LAMB FINANCIAL GROUP 1100 EAST HECTOR STREET, STE 470 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 1.17% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC | 42 BROADWAY SUITE 1936 NEW YORK, NY 10004 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 1.10% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY STE 200 WALLINGFORD, CT 06492 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.94% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. 2ND FL HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 0.76% |
| EMERSON REID LLC3 | THE EMPIRE STATE BUILDING 350 FIFTH AVE., STE 3700 NEW YORK, NY 10118 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 0.14% |
| COBB B LLC3 Filed as: B COBB LLC | 145 W 45TH ST 6TH FL NEW YORK, NY 10036 | AFLAC | $4K | — | $4K | 7.44% |
| JUSTIAN KURIAN3 | 32 HAYNES AVE DOBBS FERRY, NY 10522 | AFLAC | $2K | — | $2K | 4.67% |
| BRIAN MILLER3 | 14 WALL ST 8TH FL NEW YORK, NY 10005 | AFLAC | $2K | — | $2K | 3.36% |
| PATRICH C HARDIE3 | 14 WALL ST 8TH FL NEW YORK, NY 10005 | AFLAC | $2K | — | $2K | 3.15% |
| JANELLE M GADOMSKI3 | 166 MIDLAND AVE YONKERS, NY 10705 | AFLAC | $818 | — | $818 | 1.57% |
| DONALD ERIC HOYER3 | 46 HERON ST LONG BEACH, NY 11561 | AFLAC | $436 | $159 | $595 | 1.14% |
| CLINTON JOHNSON3 Filed as: CLINTON WAYNE JOHNSON | 430 E 22ND ST APT 3B BROOKLYN, NY 11226 | AFLAC | $567 | — | $567 | 1.09% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILL, NY 11375 | AFLAC | $233 | — | $233 | 0.45% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE AGENCY INC | 875 AVE OF THE AMERICAS RM 801 NEW YORK, NY 10001 | AFLAC | $208 | — | $208 | 0.40% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE. STE 312 GARDEN CITY, NY 11530 | AFLAC | $154 | — | $154 | 0.29% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TERR POMPTON PLAINS, NJ 07444 | AFLAC | $109 | — | $109 | 0.21% |
| ENIDA MICI3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $82 | $18 | $100 | 0.19% |
| MARILYN BARNAVE3 | 9727 AVENUE L BROOKLYN, NY 11236 | AFLAC | $95 | — | $95 | 0.18% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $66 | $27 | $93 | 0.18% |
| SHEILA MARIE CHESTERMAN3 | 95 VIRGINIA ST TAPPAN, NY 10983 | AFLAC | $64 | — | $64 | 0.12% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $44 | $18 | $62 | 0.12% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $34 | — | $34 | 0.07% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARASOTA SPRINGS, NY 12666 | AFLAC | $32 | — | $32 | 0.06% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $32 | — | $32 | 0.06% |
| RICHARD WHELAN3 Filed as: RICHARD WHELEAN | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $16 | — | $16 | 0.03% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 140 | $768K |
| Dental | AETNA LIFE INSURANCE CO. | 140 | $768K |
| Vision | AETNA LIFE INSURANCE CO. | 140 | $768K |
| Life insurance | AETNA LIFE INSURANCE CO. | 140 | $768K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 140 | $768K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 140 | $820K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.