| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $48K | $17K | $64K | 12.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | HM LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | $0 | $1K | 2.81% |
| BARBARA ANN MEYER3 | 4232 RAFFIA PALM CIRCLE NAPLES, FL 34119 | AFLAC | $1K | $0 | $1K | 4.26% |
| LINDA H. MARRA3 Filed as: LINDA MARRA | 1983 MARCUS AVENUE, SUITE 114 NEW HYDE PARK, NY 11042 | AFLAC | $680 | $0 | $680 | 2.24% |
| KEITH LEPACK3 | 1991 BROADWAY, APARTMENT 12B NEW YORK, NY 10023 | AFLAC | $451 | $0 | $451 | 1.49% |
| MJ INSURANCE3 Filed as: BRYAN LEE AND VARIOUS AGENTS | 2664 DOROTHY STREET BELLMORE, NY 11710 | AFLAC | $430 | $0 | $430 | 1.42% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1 FINANCIAL SQUARE, 32ND FLOOR NEW YORK, NY 10005 | AFLAC | $153 | $0 | $153 | 0.51% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $119 | $0 | $119 | 0.39% |
| KENNETH MEIER3 | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $117 | $0 | $117 | 0.39% |
| MJ INSURANCE3 Filed as: PATRICK HARDIE AND VARIOUS AGENTS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | $0 | $1K | 3.98% |
| BARBARA ANN MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $670 | $0 | $670 | 2.27% |
| KEITH LEPACK3 | 1991 BROADWAY, APARTMENT 12B NEW YORK, NY 10023 | AFLAC | $669 | $0 | $669 | 2.27% |
| LADMAR ASSOCIATES LLC3 | 150 MOTOR PARKWAY, SUITE 207 HAUPPAGE, NY 11788 | AFLAC | $655 | $0 | $655 | 2.22% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $411 | $0 | $411 | 1.39% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVENUE, 20TH FLOOR NEW YORK, NY 10016 | AFLAC | $263 | $0 | $263 | 0.89% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $192 | $0 | $192 | 0.65% |
| CENTRAL GROUP INS AGENCY, INC.3 Filed as: CENTRAL GROUP INS. AGENCY | UNKNOWN NEW YORK, NY 10017 | TRIPLE S SALUD, INC. | $1K | $0 | $1K | 5.00% |
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 | 1,400 | 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) | 1,400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 6 | $57K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 145 | $47K |
| Vision | HM LIFE INSURANCE COMPANY | 692 | $82K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,400 | $527K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,400 | $527K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,400 | $527K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 6 | $57K |
| Other(5 contracts, 4 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,400 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,400 | — |
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.