| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 80 PARK WEST PLAZA TWO 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $103K | $103K | 2.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $77K | $77K | 1.85% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $23K | $3K | $26K | 8.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 250 PARK AVENUE, 3RD FLOOR NEW YORK, VA 10177 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $16K | $0 | $16K | 9.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 MADISON AVENUE, 28TH FLOOR NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 11.18% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $382 | $5K | 4.61% |
| CORPORATE COMPENSATION PLANS OF CT3 Filed as: CORPORATE COMPENSATION OF CT INC. | 93 PINE HILL ROAD NEW FAIRFIELD, CT 06812 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 2.04% |
| USI INSURANCE SERVICES LLC3 | 7 EAST CONGRESS STREET, SUITE 1002 SAVANNAH, GA 31401 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $0 | $1K | 0.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $118 | $0 | $118 | 0.10% |
| KRISTEN PARZIANO3 | 15 10TH STREET STATEN ISLAND, NY 10306 | AFLAC | $5K | $334 | $6K | 7.83% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL S. TEITELBAUM | 4023 WEST SAN PREDRO STREET TAMPA, FL 33629 | AFLAC | $3K | $109 | $3K | 3.65% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILL ROAD SUITE 3 STATEN ISLAND, NY 10309 | AFLAC | $2K | $103 | $2K | 3.14% |
| MJ INSURANCE3 Filed as: ANGELA MONTENEGRO & VARIOUS AGENTS | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $2K | $0 | $2K | 2.42% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $920 | $13 | $933 | 1.27% |
| YANIRA TEITELBAUM3 | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $809 | $0 | $809 | 1.11% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $416 | $90 | $506 | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO NY | $2K | $0 | $2K | 9.39% |
| KRISTEN PARZIANO3 | 15 10TH STREET STATEN ISLAND, NY 10306 | AFLAC | $1K | $160 | $2K | 16.14% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILL ROAD SUITE 3 STATEN ISLAND, NY 10309 | AFLAC | $429 | $37 | $466 | 4.57% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $160 | $37 | $197 | 1.93% |
| MJ INSURANCE3 Filed as: CHARLES J. MULE & VARIOUS AGENTS | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $145 | $0 | $145 | 1.42% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $98 | $0 | $98 | 0.96% |
| YANIRA TEITELBAUM3 | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $76 | $0 | $76 | 0.75% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL S. TEITELBAUM | 4023 WEST SAN PREDRO STREET TAMPA, FL 33629 | AFLAC | $53 | $0 | $53 | 0.52% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 07932 | FEDERAL INSURANCE COMPANY | $1K | $182 | $1K | 17.12% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $4.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $134K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO NY | 227 | $18K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 228 | $172K |
| Short-term disability | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 55 | $119K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 126 | $303K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $4.2M |
| Other(7 contracts, 6 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 228 | $570K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.