| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENIDA MICI3 | 353 E 82ND STREET APT 9 NEW YORK, NY 10028 | AFLAC | $901 | — | $901 | 0.50% |
| ACRISURE LLC3 | 16 W 36TH STREET 11TH FLOOR NEW YORK, NY 10018 | AFLAC | $722 | — | $722 | 0.40% |
| MATTHEW CERULLA3 | 353 E 82ND STREET APT 9 NEW YORK, NY 10028 | AFLAC | $462 | — | $462 | 0.25% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $159 | — | $159 | 0.09% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $115 | — | $115 | 0.06% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11743 | AFLAC | $93 | — | $93 | 0.05% |
| WILLIAM P. HILL3 Filed as: WILLIAM HILL | 7 HIGH STREET SUITE 308 HUNTINGTON, NY 11743 | AFLAC | $56 | — | $56 | 0.03% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $52 | — | $52 | 0.03% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $24 | — | $24 | 0.01% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $23 | — | $23 | 0.01% |
| SNEZANA SKENDAJ3 | 6004 WOODBINE STREET APT 3L RIDGEWOOD, NY 11385 | AFLAC | $14 | — | $14 | 0.01% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $12 | — | $12 | 0.01% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II INC | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | — | $3 | 0.00% |
| HLS ENTERPRISES NY INC3 | 6 COWDIN LANE CHAPPAUQA, NY 10514 | AFLAC | $3 | — | $3 | 0.00% |
| TODD BURKE3 | 199 WATER STREET FLOOR 23 NEW YORK, NY 10038 | AFLAC | $1 | — | $1 | 0.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | $8K | $8K | 5.68% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE GRAND RAPIDS, MI 49501 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 4.60% |
| ACRISURE LLC3 | 16 WEST 36TH STREET 11TH FLOOR NEW YORK, NY 10018 | GUARDIAN | $5K | $2K | $7K | 10.93% |
| JACK E RAHMEY3 | 1880 EAST 23RD STREET BROOKLYN, NY 11229 | GUARDIAN | $1K | — | $1K | 1.61% |
| ACRISURE LLC3 | 16 W 36TH STREET 11TH FLOOR NEW YORK, NY 10018 | AFLAC | $2K | — | $2K | 5.19% |
| ENIDA MICI3 | 353 E 82ND STREET APT 9 NEW YORK, NY 10028 | AFLAC | $2K | — | $2K | 4.47% |
| MATTHEW CERULLA3 | 353 E 82ND STREET APT 9 NEW YORK, NC 10026 | AFLAC | $1K | — | $1K | 3.46% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $423 | — | $423 | 1.05% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $281 | — | $281 | 0.70% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $143 | — | $143 | 0.36% |
| SNEZANA SKENDAJ3 Filed as: SNEZANA SKENDERAJ | 6004 WOODBINE STREET APT 3L RIDGEWOOD, NY 11385 | AFLAC | $130 | — | $130 | 0.32% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $123 | — | $123 | 0.31% |
| VIRGIL V RICHARDSON3 | 200 W 143RD STREET APT 20M NEW YORK, NY 10030 | AFLAC | $43 | — | $43 | 0.11% |
| S BEIN INC3 | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $33 | — | $33 | 0.08% |
| HLS ENTERPRISES NY INC3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $26 | — | $26 | 0.06% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER LUBELSKY | 80 JOHN STREET APT 11C NEW YORK, NY 10038 | AFLAC | $16 | — | $16 | 0.04% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $15 | — | $15 | 0.04% |
| TODD BURKE3 | 199 WATER STREET FLOOR 23 NEW YORK, NY 10038 | AFLAC | $15 | — | $15 | 0.04% |
| REID KLEINMAN3 | 1483 YORK AVENUE UNIT 20565 NEW YORK, NY 10021 | AFLAC | $12 | — | $12 | 0.03% |
| ACRISURE LLC3 | 525 7TH AVENUE SUITE 1800 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT INSURANCE | $341 | — | $341 | 14.99% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 243 | $140K |
| Vision | GUARDIAN | 344 | $68K |
| Life insurance | GUARDIAN | 344 | $68K |
| Other(4 contracts, 3 carriers) | AFLAC | 344 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.