| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS TALLEY3 | 137 CALIFORNIA PLACE NORTH SUITE 500 ISLAND PARK, NY 11558 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $50K | — | $50K | 4.31% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NY 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $24K | $24K | 2.08% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOWS STREET WALDORF, MD 20603 | AFLAC | $174 | — | $174 | 0.70% |
| RICARDO BRUN3 | 101 SOUTH REYNOLDS STREET APARTMENT H102 ALEXANDRIA, VA 22304 | AFLAC | $173 | — | $173 | 0.70% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $170 | — | $170 | 0.68% |
| LUIS C BARZANA3 | 9301 SOUTHWEST 123RD AVENUE MIAMI, FL 33186 | AFLAC | $149 | $17 | $166 | 0.67% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE INC | 10400 EATON PLACE SUITE 400 FAIRFAX, VA 22030 | AFLAC | $138 | — | $138 | 0.55% |
| DAVID CRITTENDEN3 Filed as: DAVID G CRITTENDEN | 292 OGDEN AVENUE TEANECK, NJ 07731 | AFLAC | $116 | — | $116 | 0.47% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LANE HOWELL, NJ 07731 | AFLAC | $76 | — | $76 | 0.31% |
| KEVIN R MCINERNEY3 | 583 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $74 | $2 | $76 | 0.31% |
| SCARLET RODRIGUEZ3 | 1935 CHESTNUT STREET APARTMENT 2F PHILADELPHIA, PA 19103 | AFLAC | $68 | — | $68 | 0.27% |
| YOLANDA F LASTRA3 | 9733 NORTHWEST 45TH LANE DORAN, FL 33178 | AFLAC | $55 | $3 | $58 | 0.23% |
| KIMMON R GUSEMAN3 | 48 MICKMAN PLAZA LEMONT FURNACE, PA 15456 | AFLAC | $56 | — | $56 | 0.23% |
| JOSEPH LINVILLE3 | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $54 | — | $54 | 0.22% |
| BETH SJOSTRAND3 | 162 SOUTH CLOVER AVENUE FRESNO, CA 93727 | AFLAC | $52 | — | $52 | 0.21% |
| LAURA L STATOS3 | 215 POMEROY DRIVE SHREVEPORT, LA 71115 | AFLAC | $52 | — | $52 | 0.21% |
| QUATTRONE FINANCIAL SERVICES3 Filed as: QUATTRONE FINANCIAL SERVICES LTD | 95 WASHINGTON AVENUE SUFFERN, NY 10901 | AFLAC | $47 | — | $47 | 0.19% |
| CIRO ABRIL3 | 18 BRACKEN COURT HOWELL, NJ 07731 | AFLAC | $43 | — | $43 | 0.17% |
| MARCO A ERAZO3 | 4160 SOUTHWEST 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $34 | $3 | $37 | 0.15% |
| ANNE BAHR3 | 57550 BOU AVENUE 1613 N BETHESDA, MD 20852 | AFLAC | $35 | — | $35 | 0.14% |
| ROBERT J QUINN3 | 812 TUXWORTH CIRCLE DECATUR, GA 30033 | AFLAC | $33 | — | $33 | 0.13% |
| MAGPIE CATTLE CO3 | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $23 | — | $23 | 0.09% |
| ILIC-STONE INS SERVICES INC3 | 1285 WEST SHAW AVENUE FRESNO, CA 93711 | AFLAC | $23 | — | $23 | 0.09% |
| SANDY LODEN3 | 757 MAIN STREET FULTONDALE, AL 35068 | AFLAC | $22 | — | $22 | 0.09% |
| GARLAND KYLE3 | 2121 FAIRFIELD AVENUE SUITE 160 SHREVEPORT, LA 71104 | AFLAC | $19 | — | $19 | 0.08% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 1 SEAPORT PLAZA 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $18 | — | $18 | 0.07% |
| YVONNE CRISPINO KLINGER3 | 152 ROLLINS AVENUE SUITE 210 ROCKVILLE, MD 20852 | AFLAC | $18 | — | $18 | 0.07% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DRIVE HOUSTON, TX 77025 | AFLAC | $17 | — | $17 | 0.07% |
| KENNETH A WIMER3 | 900 PIERREMONT ROAD SUITE 114 SHREVEPORT, LA 71106 | AFLAC | $17 | — | $17 | 0.07% |
| SONDRA BLAYLOCK3 | 5641 OLD LEEDS ROAD BIRMINGHAM, AL 35210 | AFLAC | $16 | — | $16 | 0.06% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $15 | — | $15 | 0.06% |
| CATHY ZESCH HOWELL3 | 3665 LEO AVENUE SHREVEPORT, LA 71105 | AFLAC | $13 | — | $13 | 0.05% |
| JEANNETTE YVONNE DURRANI3 | 6851 ALMOND AVENUE ORANGEVALE, CA 95662 | AFLAC | $13 | — | $13 | 0.05% |
| THOMAS FLORES3 Filed as: THOMAS E FLORES | 1265 15TH STREET APARTMENT 16G FORT LEE, NJ 07024 | AFLAC | $12 | — | $12 | 0.05% |
| MELISSA PAIGE HARGETT3 | 7606 SCARLET OAK DRIVE ROWLETT, TX 75089 | AFLAC | $12 | — | $12 | 0.05% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $9 | $3 | $12 | 0.05% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $11 | — | $11 | 0.04% |
| SAMANTHA E GOOLER3 | 15 KEVIN DRIVE SUFFERN, NY 10901 | AFLAC | $11 | — | $11 | 0.04% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $11 | — | $11 | 0.04% |
| EILEEN KELLY JONES3 | 18714 RIVERTON CREST COURT CYPRESS, TX 77433 | AFLAC | $10 | — | $10 | 0.04% |
| TERESA L FOUTZ3 Filed as: TERESA L FOULTZ | 1877 LEALAND AVENUE POLAND, OH 44514 | AFLAC | $9 | — | $9 | 0.04% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $9 | — | $9 | 0.04% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $8 | — | $8 | 0.03% |
| DORIS L BRACKETT3 | 3233 HIGHGATE CHASE COURT BERKELEY LAKE, GA 30092 | AFLAC | $7 | — | $7 | 0.03% |
| CHRISTOPHER PARSONS3 | 4370 SADDLE COURT EARLSVILLE, VA 22936 | AFLAC | $7 | — | $7 | 0.03% |
| JAMES F SCHLERNITZAUER3 | 1712 CHEYENNE WAY MODESTO, CA 95356 | AFLAC | $7 | — | $7 | 0.03% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $6 | — | $6 | 0.02% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DRIVE HOUSTON, TX 77084 | AFLAC | $6 | — | $6 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $5 | — | $5 | 0.02% |
| CHARLES EDWARD PERRY3 | 12858 TORREY PINES DRIVE AUBURN, CA 95602 | AFLAC | $5 | — | $5 | 0.02% |
| GAY M HUNDLEY3 | 1416 GABLES COURT PLANO, TX 75075 | AFLAC | $4 | — | $4 | 0.02% |
| SABRINA ANN PARSONS3 | 675 BENT OAKS DRIVE UNIT 723 EARLSVILLE, VA 22936 | AFLAC | $3 | — | $3 | 0.01% |
| BLAZE J FREMIN3 | PO BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $3 | — | $3 | 0.01% |
| LON R KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $3 | — | $3 | 0.01% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $3 | — | $3 | 0.01% |
| MELODY R IRELAND3 | 5225 PENTECOST DRIVE SUITE 24 MODESTO, CA 95356 | AFLAC | $2 | — | $2 | 0.01% |
| GUSTAVO ARRIAGA II3 | 5713 NORTH PERSHING AVENUE SUITE C4 STOCKTON, CA 95207 | AFLAC | $2 | — | $2 | 0.01% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $1 | — | $1 | 0.00% |
| CECILIA KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD CESAR FERNANDEZ3 | 150 WEST 58TH STREET HIALEAH, FL 33012 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID C CLOUD JR3 | 1301 SHILOH ROAD NORTHWEST SUITE 1020 KENNESAW, GA 30144 | AFLAC | $1 | — | $1 | 0.00% |
| ANA PATRICIA ARRIAGA3 | 1509 WEST YOSEMITE AVNUE SUITE A1 MANTECA, CA 95337 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTT WEBB3 | 2355 WEST PINNACLE PEAK ROAD SUITE 380 PHOENIX, AZ 85027 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 380 PHOENIX, AZ 85027 | AFLAC | $1 | — | $1 | 0.00% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INSURANCE SERVICES INC | 193 BLUE RAVINE ROAD SUITE 140 FOLSOM, CA 95630 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID CRITTENDEN3 | 292 OGDEN AVENUE TEANECK, NJ 07666 | AFLAC | $247 | — | $247 | 5.22% |
| QUATTRONE FINANCIAL SERVICES3 | 95 WASHINGTON AVENUE SUFFEN, NY 10901 | AFLAC | $137 | — | $137 | 2.89% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $70 | — | $70 | 1.48% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $42 | — | $42 | 0.89% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA ALNE HOWELL, NJ 07607 | AFLAC | $39 | — | $39 | 0.82% |
| MERYL SURGAN3 Filed as: MERYL SUGAN | 326 JAEGER AVENUE MAYWOOD, NJ 07607 | AFLAC | $6 | — | $6 | 0.13% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 115 | $1.2M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 115 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 115 | $1.2M |
| Life insurance(2 contracts) | AFLAC | 21 | $30K |
| Other(2 contracts) | AFLAC | 21 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.