| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $153K | $196 | $153K | 4.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $16K | $2K | $17K | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 9E RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $9K | $9K | 0.25% |
| CORPORATE COMPENSATION PLANS OF CT3 Filed as: CORPORATE COMP PLANS OF CONNECTICUT | 93 PINE HILL ROAD NEW FAIRFIELD, CT 06812 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $0 | $13K | 2.67% |
| PHILLIP T. DAVIS3 | 73 PINE HILL ROAD NEW FAIRFIELD, CT 06810 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | 1750 H STREET NW, SUITE 200 WASHINGTON, DC 20006 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.53% |
| PHILLIP DAVIS3 Filed as: PHILLIP TOWNSEND DAVIS | 457 MAIN STREET, SUITE 2C DANBURY, CT 06811 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $217 | $217 | 0.04% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL S. TEITELBAUM | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $3K | $33 | $3K | 4.90% |
| MJ INSURANCE3 Filed as: TREVOR FENNELL AND VARIOUS AGENTS | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $3K | $19 | $3K | 3.69% |
| YANIRA TEITELBAUM3 | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $2K | $83 | $2K | 2.64% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S. CASTRO LLC | 100 WALL STREET, 28TH FLOOR NEW YORK, NY 10005 | AFLAC | $768 | $0 | $768 | 1.12% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 205 OLD TWON ROAD STATEN ISLAND, NY 10305 | AFLAC | $655 | $23 | $678 | 0.99% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALLS STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $527 | $5 | $532 | 0.78% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NJ 11530 | AFLAC | $520 | $0 | $520 | 0.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | EYEMED | $1K | $0 | $1K | 7.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | 190 RIVER ROAD, 1ST FLOOR SUMMIT, NJ 07901 | FEDERAL INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| YANIRA TEITELBAUM3 | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $70 | $0 | $70 | 2.23% |
| MJ INSURANCE3 Filed as: ALY H. ABAZA AND VARIOUS AGENTS | 79 VINEYARD LANE GREENWICH, CT 06831 | AFLAC | $61 | $0 | $61 | 1.94% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL S. TEITELBAUM | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $49 | $0 | $49 | 1.56% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $46 | $0 | $46 | 1.46% |
| KIM HAMMOND3 | ONE BANK STREET APARTMENT 5L NEW YORK, NY 10014 | AFLAC | $38 | $0 | $38 | 1.21% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $34 | $0 | $34 | 1.08% |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $29 | $0 | $29 | 0.92% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 389 | $3.5M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 389 | $3.5M |
| Vision | EYEMED | 137 | $13K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 389 | $3.5M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 148 | $482K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 148 | $482K |
| Other(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 389 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.