| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $103K | $103K | 2.56% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $22K | $6K | $28K | 8.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | STANDARD OF NEW YORK | $18K | $3K | $21K | 10.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC AVENUE MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.20% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK, SUITE 400 FALLS CHURCH, VA 22042 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $91 | $3K | 2.65% |
| CORPORATE COMPENSATION PLANS OF CT3 | 93 PINE HILL ROAD NEW FAIRFIELD, CT 06812 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 1.67% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN SUITE 1002 SAVANNAH, GA 31401 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $786 | $0 | $786 | 0.77% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $361 | $0 | $361 | 0.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $81 | $0 | $81 | 0.08% |
| KRISTEN PARZIANO3 | 15 10TH STREET STATEN ISLAND, NY 10306 | AFLAC | $7K | $454 | $7K | 8.14% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A. LIBECCI | 4864 ARTHUR KILL ROAD, SUITE 3 STATEN ISLAND, NY 10309 | AFLAC | $3K | $124 | $3K | 3.02% |
| KENNETH MEIER3 Filed as: KENNETH C. MEIER AND OTHER AGENTS | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $2K | $63 | $2K | 2.31% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL S. TEITELBAUM | 4023 WEST SAN PEDRO STREET TAMPA, FL 33629 | AFLAC | $2K | $80 | $2K | 2.05% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $928 | $62 | $990 | 1.10% |
| YANIRA TEITELBAUM3 | 4023 WEST SAN PEDRO STREET TAMPA, FL 33629 | AFLAC | $761 | $0 | $761 | 0.84% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $405 | $0 | $405 | 0.45% |
| YANIRA TEITELBAUM3 | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $65 | $0 | $65 | 0.07% |
| 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 | 11.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | 165 BROADWAY, 33RD FLOOR NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $4.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 297 | $139K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO NY | 229 | $18K |
| Life insurance | STANDARD OF NEW YORK | 221 | $194K |
| Short-term disability | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 53 | $102K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 119 | $318K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $4.0M |
| Other(5 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 221 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.