| 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 | $26K | $74K | 13.28% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| CENTRAL GROUP INS AGENCY, INC.3 | UNKNOWN NEW YORK, NY 10017 | TRIPLE S SALUD, INC. | $2K | — | $2K | 5.00% |
| KEITH LEPACK3 | 1991 BROADWAY, APARTMENT 12B NEWYORK, NY 10023 | AFLAC | $1K | $254 | $1K | 4.31% |
| BARBARA ANN MEYER3 | 4232 RAFFIA PALM CIR NAPLES, FL 34119 | AFLAC | $1K | $0 | $1K | 3.43% |
| LINDA H. MARRA3 Filed as: LINDA H MARRA | 1983 MARCUS AVENUE, SUITE 114 NEW HYDE PARK, NY 11042 | AFLAC | $501 | $0 | $501 | 1.67% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL P DESTEFANO & OTHER AGENTS | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015 WEST HOLBROOK, NY 11741 | AFLAC | $495 | $0 | $495 | 1.65% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES LLC | 2 RIVERSIDE DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $332 | $0 | $332 | 1.11% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET, SUITE 8C NEWYORK, NY 10005 | AFLAC | $249 | $0 | $249 | 0.83% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $91 | $0 | $91 | 0.30% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE & OTHER AGENTS | 14 WALL STREET, SUITE 8C NEWYORK, NY 10005 | AFLAC | $1K | $0 | $1K | 4.37% |
| BARBARA A. MEYER3 Filed as: BARBARA A MEYER | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $650 | $0 | $650 | 2.27% |
| KEITH LEPACK3 | 1991 BROADWAY, APARTMENT 12B NEWYORK, NY 10023 | AFLAC | $573 | $0 | $573 | 2.00% |
| LADMAR ASSOCIATES LLC3 | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11788 | AFLAC | $534 | $0 | $534 | 1.87% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $399 | $0 | $399 | 1.40% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | 2 PARK AVENUE, 20TH FLOOR NEWYORK, NY 10016 | AFLAC | $274 | $0 | $274 | 0.96% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $185 | $0 | $185 | 0.65% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD SUITE 400 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $372 | $0 | $372 | 3.64% |
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. | 8 | $51K |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 116 | $63K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 689 | $81K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,215 | $556K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,215 | $556K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,215 | $556K |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 8 | $51K |
| Other(5 contracts, 4 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,400 | $687K |
| 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.