| 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 | $63K | $25K | $88K | 12.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| BARBARA ANN MEYER3 Filed as: BARBARA MEYER | 4232 RAFFIA PALM CIRCLE NAPLES, FL 34119 | AFLAC | $1K | $0 | $1K | 3.76% |
| KEITH LEPACK3 | 1991 BROADWAY, APARTMENT 12B NEW YORK, NY 10023 | AFLAC | $1K | $0 | $1K | 3.71% |
| LINDA H. MARRA3 Filed as: LINDA MARRA | 1983 MARCUS AVENUE, SUITE 114 NEW HYDE PARK, NY 11042 | AFLAC | $573 | $0 | $573 | 1.96% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES LLC | 2 RIVERSIDE DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $491 | $0 | $491 | 1.68% |
| MJ INSURANCE3 Filed as: KEN MEIER AND VARIOUS AGENTS | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $424 | $19 | $443 | 1.52% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $245 | $0 | $245 | 0.84% |
| CORIE HABER3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $213 | $0 | $213 | 0.73% |
| MJ INSURANCE3 Filed as: PATRICK RUHLE AND VARIOUS AGENTS | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $1K | $5 | $1K | 4.14% |
| BARBARA ANN MEYER3 Filed as: BARBARA MEYER | 4232 RAFFIA PALM CIRCLE NAPLES, NY 34119 | AFLAC | $635 | $0 | $635 | 2.30% |
| LADMAR ASSOCIATES LLC3 | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11788 | AFLAC | $615 | $0 | $615 | 2.23% |
| KEITH LEPACK3 | 1991 BROADWAY, APARTMENT 12B NEW YORK, NY 10023 | AFLAC | $590 | $19 | $609 | 2.21% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $388 | $0 | $388 | 1.41% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVENUE, 20TH FLOOR NEW YORK, NY 10016 | AFLAC | $251 | $0 | $251 | 0.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | AFLAC | $199 | $0 | $199 | 0.72% |
| CENTRAL GROUP INSURANCE AGENCY3 | UNKNOWN NEW YORK, NY 10017 | TRIPLE S SALUD, INC. | $1K | $0 | $1K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $345 | $0 | $345 | 5.01% |
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) | TRIPLE S SALUD, INC. | 4 | $28K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 121 | $45K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 655 | $78K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,016 | $728K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,016 | $728K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,016 | $728K |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 4 | $28K |
| Other(5 contracts, 4 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,400 | $839K |
| 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.