| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $122K | $122K | 4.24% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | $2K | $21K | 7.41% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK FALLS CHURCH, VA 22042 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $132 | $3K | 3.02% |
| CORP. COMPENSATION PLANS OF CT, INC3 Filed as: CORP. COMPENSATION PLANS OF CT. INC | 93 PINE HILL ROAD NEW FAIRFIELD, CT 06812 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $0 | $3K | 2.71% |
| USI INSURANCE SERVICES LLC3 | 7 EAST CONGRESS STREET, SUITE 1002 SAVANNAH, GA 31401 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $0 | $1K | 1.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $142 | $0 | $142 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 9.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 12.00% |
| ANTHONY ORGERA3 Filed as: ANTHONY R ORGERA INC & OTHER AGENTS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $3K | $31 | $3K | 4.72% |
| KRISTEN PARZIANO3 | 15 10TH STREET STATEN ISLAND, NY 10306 | AFLAC | $2K | $63 | $3K | 3.96% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL S. TEITELBAUM | 4023 WEST SAN PEDRO STREET TAMPA, FL 33629 | AFLAC | $2K | $51 | $2K | 3.04% |
| YANIRA TEITELBAUM3 | 4023 WEST SAN PEDRO STREET TAMPA, FL 33629 | AFLAC | $1K | $0 | $1K | 1.83% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILL ROAD, SUITE 3 STATEN ISLAND, NY 10309 | AFLAC | $1K | $34 | $1K | 1.74% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $622 | $34 | $656 | 1.01% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S. CASTRO LLC | 131 EAST 39TH STREET, APARTMENT 3 NEW YORK, NY 10016 | AFLAC | $546 | $0 | $546 | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO NY | $1K | $0 | $1K | 10.44% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 07932 | FEDERAL INSURANCE COMPANY | $1K | $183 | $1K | 17.13% |
| YANIRA TEITELBAUM3 | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $70 | $0 | $70 | 2.99% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL S. TEITELBAUM | 4023 WEST SAN PEDRO STREET TAMPA, FL 33629 | AFLAC | $49 | $0 | $49 | 2.09% |
| MJ INSURANCE3 Filed as: ALY H. ABAZA AND VARIOUS AGENTS | 79 VINEYARD LANE GREENWICH, CT 06831 | AFLAC | $44 | $0 | $44 | 1.88% |
| CHARGLES J. MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $29 | $0 | $29 | 1.24% |
| ANTHONY ORGERA3 Filed as: ANTHONY R. ORTEGA | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $27 | $0 | $27 | 1.15% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $26 | $0 | $26 | 1.11% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S. CASTRO | 131 EAST 39TH STREET, APARTMENT 3 NEW YORK, NY 10016 | AFLAC | $22 | $0 | $22 | 0.94% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $112K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO NY | 176 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 194 | $88K |
| Short-term disability | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 53 | $116K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 136 | $277K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $2.9M |
| Other(6 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 215 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.