| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | OXFORD HEALTH INSURANCE, INC. | $55K | $2K | $57K | 3.82% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | — | $21K | $21K | 1.43% |
| LIFE/DISABILITY ADMINI CONSULT3 | 4403 13TH AVENUE SUITE 2 BROOKLYN, NY 11219 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 16.09% |
| RSC INSURANCE BROKERAGE INC3 | 333 WEST WACKER DRIVE SUITE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | $2K | $5K | 10.59% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $78 | $78 | 0.21% |
| LORENA GILER LOPEZ3 | 7784 271ST STREET NEW HYDE PARK, NY 11040 | AFLAC | $1K | $265 | $2K | 5.08% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | AFLAC | $1K | — | $1K | 4.46% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $856 | $88 | $944 | 3.04% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $710 | $177 | $887 | 2.86% |
| JANELLE M GADOMSKI3 | 166 MIDLAND AVENUE YONKERS, NY 10705 | AFLAC | $425 | — | $425 | 1.37% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $279 | $88 | $367 | 1.18% |
| ARI JOSEPH WEXLER3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $330 | — | $330 | 1.06% |
| JAMES K FULATER3 | 3052 34TH STREET APARTMENT 2A ASTORIA, NY 11103 | AFLAC | $201 | — | $201 | 0.65% |
| SEAN CHRISTIA FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $120 | — | $120 | 0.39% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $75 | — | $75 | 0.24% |
| TIMOTHY C CAVAZOS3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $67 | — | $67 | 0.22% |
| JEFFREY D HARNED3 Filed as: JEFFREY STEPHEN BLOCKER | 3 BARNESDALE ROAD NATICK, MA 01760 | AFLAC | $61 | — | $61 | 0.20% |
| WILFRED COGER3 | 230 PARK AVENUE SUITE 1000 10TH FLOOR NEW YORK, NY 10169 | AFLAC | $52 | — | $52 | 0.17% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $48 | — | $48 | 0.15% |
| DENISE VANDALM3 | 106 PINEHURST AVENUE APARTMENT A23 NEW YORK, NY 10033 | AFLAC | $36 | — | $36 | 0.12% |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $33 | — | $33 | 0.11% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 12866 | AFLAC | $25 | — | $25 | 0.08% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $23 | — | $23 | 0.07% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $13 | — | $13 | 0.04% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $12 | — | $12 | 0.04% |
| LENIN RODRIGUEZ3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $8 | — | $8 | 0.03% |
| MARILYN BARNAVE3 | 9727 AVENUE L BROOKLYN, NY 11236 | AFLAC | $7 | — | $7 | 0.02% |
| MARTIN F. CONROY3 | P.O. BOX 475 HOBOKEN, NJ 07030 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $2 | — | $2 | 0.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $936 | — | $936 | 6.11% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 163 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 125 | $44K |
| Vision | VISION SERVICE PLAN | 112 | $15K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 230 | $67K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 230 | $36K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 230 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
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.