| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE PARK 80 WEST PLAZA TWO SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $161K | $161K | 4.48% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $20K | $2K | $22K | 6.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $17K | $1K | $18K | 14.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 11.66% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK, SUITE 400 FALLS CHURCH, VA 22042 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $719 | $5K | 5.60% |
| CORPORATE COMPENSATION PLANS OF CT3 Filed as: CORPORATE COMPENSATIONS PLANS OF CT | 93 PINE HILL ROAD NEW FAIRFIELD, CT 06812 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 2.27% |
| USI INSURANCE SERVICES LLC3 | 7 EAST CONGRESS STREET SAVANNAH, GA 31401 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $908 | $0 | $908 | 0.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $102 | $0 | $102 | 0.10% |
| KRISTEN PARZIANO3 | 15 10TH STREET STATEN ISALND, NY 10306 | AFLAC | $5K | $108 | $5K | 7.95% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL S. TEITELBAUM | 4023 WEST SAN PEDRO STREET TAMPA, FL 33629 | AFLAC | $3K | $0 | $3K | 4.38% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILL ROAD, SUITE 3 STATEN ISLAND, NY 10309 | AFLAC | $2K | $25 | $2K | 3.66% |
| MJ INSURANCE3 Filed as: KENNETH MEIER CORP & VARIOUS AGENTS | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $2K | $0 | $2K | 3.07% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | $25 | $1K | 1.92% |
| YANIRA TEITELBAUM3 | 4023 WEST SAN PEDRO STREET TAMPA, FL 33629 | AFLAC | $944 | $0 | $944 | 1.58% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $400 | $0 | $400 | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO NY | $2K | $0 | $2K | 9.84% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 07932 | FEDERAL INSURANCE COMPANY | $1K | $162 | $1K | 16.89% |
| KRISTEN PARZIANO3 | 15 10TH STREET STATEN ISALND, NY 10306 | AFLAC | $1K | $0 | $1K | 21.89% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILL ROAD, SUITE 3 STATEN ISLAND, NY 10309 | AFLAC | $282 | $0 | $282 | 5.40% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $181 | $0 | $181 | 3.47% |
| MJ INSURANCE3 Filed as: KENNETH C. MEIER AND VARIOUS AGENTS | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $96 | $0 | $96 | 1.84% |
| YANIRA TEITELBAUM3 | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $65 | $0 | $65 | 1.24% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL S. TEITELBAUM | 4023 WEST SAN PEDRO STREET TAMPA, FL 33629 | AFLAC | $45 | $0 | $45 | 0.86% |
| CHARLES J MULE3 Filed as: CHARLES J. MULE | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $26 | $0 | $26 | 0.50% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 249 | $3.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $127K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO NY | 203 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 204 | $127K |
| Short-term disability | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 51 | $97K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 130 | $333K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 249 | $3.6M |
| Other(6 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 210 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.