| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILFRED COGER3 | 230 PARK AVE, SUITE 1000, 10TH FL. NEW YORK, NY 10169 | AFLAC | $1K | — | $1K | 14.81% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $106 | — | $106 | 1.38% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR. BOCA RATON, FL 33496 | AFLAC | $95 | — | $95 | 1.24% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $72 | — | $72 | 0.94% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD, STE 1403 FOREST HILLS, NY 11375 | AFLAC | $29 | — | $29 | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVE, APT 3D BROOKLYN, NY 11209 | AFLAC | $28 | — | $28 | 0.37% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING, INC. | 50 BROADWAY HAWTHORNE, NY 10532 | AFLAC | $27 | — | $27 | 0.35% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 22 CORPORATE WOODS BLVD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $26 | — | $26 | 0.34% |
| LINDA STEELE3 | 266 E. BROADWAY NEW YORK, NY 10002 | AFLAC | $10 | — | $10 | 0.13% |
| MARVIN ANDERSON3 | PO BOX 6455 NEW YORK, NY 10150 | AFLAC | $7 | — | $7 | 0.09% |
| MARGARET O BARTHOLOMEW3 Filed as: MARGARET BARTHOLOMEW | 2 COUNTRY CLUB LANE PLEASANTVILLE, NY 10570 | AFLAC | $7 | — | $7 | 0.09% |
| AMERICAN TEL-TEK INC.3 Filed as: AMERICAN TEL-TEK, INC. | 92 NORTH AVENUE STE 102 NEW ROCHELLE, NY 10801 | AFLAC | $5 | — | $5 | 0.07% |
| GREGORY E MEYER3 Filed as: GREGORY E. MEYER | 1582 RUNNING DEER DR. KERNERSVILLE, NC 27284 | AFLAC | $5 | — | $5 | 0.07% |
| IRA EDENBAUM3 | 1 CARLETON DRIVE FREEHOLD, NJ 07728 | AFLAC | $5 | — | $5 | 0.07% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SIRACUSA | 225 DOLSON AVE, STE 304 MIDDLETOWN, NY 10940 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN WHITE3 | 8 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $1 | — | $1 | 0.01% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 800 TARRYTOWN, NY 10591 | AFLAC | $1 | — | $1 | 0.01% |
| BENITO A ROTONDI3 Filed as: BENITO A. ROTONDI | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $1 | — | $1 | 0.01% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 607 | $3.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 607 | $3.5M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 607 | $3.5M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $106K |
| Short-term disability | AFLAC | 11 | $8K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $106K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.