| 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 | UNITEDHEALTHCARE INSURANCECOMPANY | $74K | — | $74K | 3.71% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCECOMPANY | $30K | — | $30K | 1.50% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $9K | 13.89% |
| RSC INSURANCE BROKERAGE INC3 | 4TH FLOOR 160 FEDERAL STREET BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 17.14% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $58 | $58 | 0.10% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $10 | $10 | 0.02% |
| MARILYN BARNAVE3 | 9727 AVENUE L BROOKLYN, NY 11236 | AFLAC | $1K | $102 | $1K | 4.84% |
| JAMES K FULATER3 | 3052 34TH STREET APARTMENT 2A ASTORIA, NY 11103 | AFLAC | $959 | $102 | $1K | 4.11% |
| BENEDIKT N MASON3 | 17 LITTLE BEAR HILL ROAD WESTFORD, MA 01886 | AFLAC | $843 | $163 | $1K | 3.90% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $1K | — | $1K | 3.88% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $651 | $41 | $692 | 2.68% |
| KEITH LEPACK3 | 1991 BROADWAY APARTMENT 12B NEW YORK, NY 10023 | AFLAC | $581 | $41 | $622 | 2.41% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $235 | — | $235 | 0.91% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $201 | — | $201 | 0.78% |
| ROSALIND M GONZALEZ3 | 23 HAMPSHIRE ROAD APARTMENT 112 METHUEN, MA 01844 | AFLAC | $160 | $27 | $187 | 0.72% |
| LORENA GILER LOPEZ3 | 7784 271ST STREET NEW HIDE PARK, NY 11040 | AFLAC | $151 | — | $151 | 0.59% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $78 | — | $78 | 0.30% |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $75 | — | $75 | 0.29% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NY 07444 | AFLAC | $70 | — | $70 | 0.27% |
| DENISE VANDALM3 | 106 PINEHURST AVENUE APARTMENT A23 NEW YORK, NY 10033 | AFLAC | $37 | — | $37 | 0.14% |
| ARI JOSEPH WEXLER3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $20 | — | $20 | 0.08% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $12 | — | $12 | 0.05% |
| WILFRED COGER3 | 230 PARK AVENUE ROOM 1000 NEW YORK, NY 10169 | AFLAC | $12 | — | $12 | 0.05% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDE CITY, NY 11530 | AFLAC | $12 | — | $12 | 0.05% |
| TODD J BURKE CORP3 | 401 WAST 80TH STREET APARTMENT 6J NEW YORK, NY 10075 | AFLAC | $12 | — | $12 | 0.05% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $11 | — | $11 | 0.04% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $11 | — | $11 | 0.04% |
| JEFFREY D HARNED3 Filed as: JEFFREY STEPHEN BLOCKER | 3 BARNESDALE ROAD NATICK, MA 01760 | 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 | 5.02% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCECOMPANY | 197 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $67K |
| Vision | VISION SERVICE PLAN | 160 | $25K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 289 | $82K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 289 | $56K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 289 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.