| 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 | $81K | — | $81K | 4.30% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC | — | $32K | $32K | 1.68% |
| EMERSON REID LLC3 | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 13.54% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $99 | $99 | 0.19% |
| MARILYN BARNAVE3 | 9727 AVENUE L BROOKLYN, NY 11236 | AFLAC | $1K | $60 | $1K | 4.67% |
| JAMES K FULATER3 | 3052 34TH STREET APARTMENT 2 ASTORIA, NY 11103 | AFLAC | $1K | $55 | $1K | 4.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $1K | — | $1K | 3.98% |
| BENEDIKT N MASON3 | 17 LITTLE BEAR HILL ROAD WESTFORD, MA 01886 | AFLAC | $1K | $92 | $1K | 3.64% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $772 | $23 | $795 | 2.50% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $684 | $23 | $707 | 2.23% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $268 | — | $268 | 0.84% |
| LORENA GILER LOPEZ3 | 7784 271ST STREET NEW HYDE PARK, NY 11040 | AFLAC | $224 | — | $224 | 0.71% |
| ROSALIND M GONZALEZ3 | 250 PLEASANT STREET METHUEN, MA 01844 | AFLAC | $202 | $15 | $217 | 0.68% |
| JANELLE M GADOMSKI3 | 166 MIDLAND AVENUE YONKERS, NY 10705 | AFLAC | $188 | — | $188 | 0.59% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $96 | — | $96 | 0.30% |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $84 | — | $84 | 0.26% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NY 07444 | AFLAC | $82 | — | $82 | 0.26% |
| WILFRED COGER3 | 230 PARK AVENUE ROOM 1000 NEW YORK, NY 10169 | AFLAC | $52 | — | $52 | 0.16% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $43 | — | $43 | 0.14% |
| DENISE VANDALM3 | 106 PINEHURST AVENUE APARTMENT A23 NEW YORK, NY 10033 | AFLAC | $41 | — | $41 | 0.13% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $37 | — | $37 | 0.12% |
| ANTOINETTE GEYELIN3 | 230 EAST 79TH STREET APARTMENT 3B NEW YORK, NY 10075 | AFLAC | $25 | — | $25 | 0.08% |
| ARI JOSEPH WEXLER3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $24 | — | $24 | 0.08% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $22 | — | $22 | 0.07% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $16 | — | $16 | 0.05% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS NEW YORK, NY 12866 | AFLAC | $15 | — | $15 | 0.05% |
| TODD J BURKE CORP3 | 401 EAST 80TH STREET APARTMENT 6J NEW YORK, NY 10075 | AFLAC | $13 | — | $13 | 0.04% |
| JEFFREY D HARNED3 Filed as: JEFFREY STEPHEN BLOCKER | 3 BARNESDALE ROAD NATICK, MA 01760 | AFLAC | $7 | — | $7 | 0.02% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $6 | — | $6 | 0.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | — | $1K | 5.06% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 220 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $69K |
| Vision | VISION SERVICE PLAN | 183 | $25K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 321 | $83K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 321 | $51K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 321 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.