| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL DONAS, LLC3 | 41 WATCHUNG PLAZA, SUITE 207 MONTCLAIR, NJ 07042 | ANTHEM BLUE CROSS AND BLUE SHIELD | $172K | $0 | $172K | 3.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS AND BLUE SHIELD | $0 | $61K | $61K | 1.11% |
| SHARON NEIMANIS3 | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $37K | $2K | $39K | 20.02% |
| JASON SALLEMI3 | 302 MONROE STREET, APARTMENT 4B HOBOKEN, NJ 07030 | AFLAC | $10K | $508 | $10K | 5.29% |
| SHAUN T KONIOR3 Filed as: SHAUN KONIOR | 100 NW 62ND STREET, SUITE 1020 FORT LAUDERDALE, FL 33309 | AFLAC | $5K | $508 | $6K | 3.05% |
| CHRISTOPHER SALLEMI3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | $0 | $1K | 0.57% |
| PATRICK R. RUHLE AND OTHER AGENTS3 Filed as: PATRICK RUHLE AND OTHER AGENTS | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $841 | $0 | $841 | 0.43% |
| GROE INC3 Filed as: GROE, INC. | 108 JACKSON STREET, APARTMENT 4A HOBOKEN, NJ 07030 | AFLAC | $738 | $0 | $738 | 0.38% |
| MICHAEL LUPIA3 | 257 WALNUT ROAD GLEN COVE, NY 11542 | AFLAC | $296 | $49 | $345 | 0.18% |
| PAUL DONAS, LLC3 | 41 WATCHUNG PLAZA, SUITE 207 MONTCLAIR, NJ 07042 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | $0 | $19K | 12.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.06% |
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 | 449 | 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) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 473 | $5.5M |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 473 | $5.5M |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 473 | $5.5M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 449 | $149K |
| Short-term disability | AFLAC | 144 | $194K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 449 | $149K |
| Prescription drug | ANTHEM BLUE CROSS AND BLUE SHIELD | 473 | $5.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 449 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.