| 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 | 4.32% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $24K | $24K | 2.08% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOWS STREET WALDORF, MD 20603 | AFLAC | $157 | — | $157 | 1.13% |
| RICARDO BRUN3 | 101 SOUTH REYNOLDS STREET APARTMENT H102 ALEXANDRIA, VA 22304 | AFLAC | $112 | — | $112 | 0.80% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE INC | 10400 EATON PLACE SUITE 400 FAIRFAX, VA 22030 | AFLAC | $89 | — | $89 | 0.64% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $74 | — | $74 | 0.53% |
| DAVID CRITTENDEN3 | 292 OGDEN AVENUE TEANECK, NJ 07731 | AFLAC | $51 | — | $51 | 0.37% |
| JOSEPH LINVILLE3 | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $47 | — | $47 | 0.34% |
| LUIS C BARZANA3 | 9301 SOUTHWEST 123RD AVENUE MIAMI, FL 33186 | AFLAC | $46 | — | $46 | 0.33% |
| BETH SJOSTRAND3 | PO BOX 2204 OAKHURST, CA 93644 | AFLAC | $45 | — | $45 | 0.32% |
| KIMMON R GUSEMAN3 | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | AFLAC | $36 | — | $36 | 0.26% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $33 | — | $33 | 0.24% |
| SCARLET RODRIGUEZ3 | 1935 CHESTNUT STREET APARTMENT 2F PHILADELPHIA, PA 19103 | AFLAC | $33 | — | $33 | 0.24% |
| LAURA L STATOS3 Filed as: LAURA STATOS | 215 POMEROY DRIVE SHREVEPORT, LA 71115 | AFLAC | $32 | — | $32 | 0.23% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LANE HOWELL, NJ 07731 | AFLAC | $30 | — | $30 | 0.22% |
| CIRO ABRIL3 | 18 BRACKEN COURT HOWELL, NJ 07731 | AFLAC | $26 | — | $26 | 0.19% |
| YOLANDA F LASTRA3 | 9733 NORTHWEST 45TH LANE DORAL, FL 33178 | AFLAC | $25 | — | $25 | 0.18% |
| SANDY LODEN3 | 757 MAIN STREET FULTONDALE, AL 35068 | AFLAC | $23 | — | $23 | 0.16% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE SERVICES INC | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $20 | — | $20 | 0.14% |
| MAGPIE CATTLE CO3 | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $20 | — | $20 | 0.14% |
| SONDRA BLAYLOCK3 | 5641 OLD LEEDS ROAD BIRMINGHAM, AL 35210 | AFLAC | $16 | — | $16 | 0.11% |
| MARCO A ERAZO3 Filed as: MARCO ERAZO | 4160 SOUTHWEST 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $14 | — | $14 | 0.10% |
| ELLEN KYLE3 | 2456 CHURCHILL DRIVE BOSSIER CITY, LA 71111 | AFLAC | $12 | — | $12 | 0.09% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $11 | — | $11 | 0.08% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $11 | — | $11 | 0.08% |
| TODD J BURKE CORP3 Filed as: TODD BURKE | 1 SEAPORT PLAZA 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $11 | — | $11 | 0.08% |
| KENNETH WIMER3 | 2533 BERT KOWNS INDUSTRIAL LOOP SUITE 121 SHREVEPORT, LA 71118 | AFLAC | $10 | — | $10 | 0.07% |
| CATHY ZESCH HOWELL3 Filed as: CATHY HOWELL | 365 LEO AVENUE SHREVEPORT, LA 71105 | AFLAC | $8 | — | $8 | 0.06% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $8 | — | $8 | 0.06% |
| MELISSA HARGETT3 | 7606 SCARLET OAK DRIVE ROWLETT, TX 75089 | AFLAC | $7 | — | $7 | 0.05% |
| KENNETH MEIER3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $7 | — | $7 | 0.05% |
| TERESA L FOUTZ3 Filed as: TERESA FOUTZ | 1877 LEALAND AVENUE POLAND, OH 44514 | AFLAC | $7 | — | $7 | 0.05% |
| CHARLES EDWARD PERRY3 Filed as: CHARLES PERRY | 12858 TORREY PINES DRIVE AUBURN, CA 95602 | AFLAC | $4 | — | $4 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.01% |
| GAY M HUNDLEY3 Filed as: GAY HUNDLEY | 620 TAYLOR TRAIL MURPHY, TX 75094 | AFLAC | $2 | — | $2 | 0.01% |
| TOMAS FLORES3 | 4201 NORTH OCEAN BOULEVARD BUILDING C APARTMENT 1403 BOCA RATON, FL 33431 | AFLAC | $2 | — | $2 | 0.01% |
| SAMANTHA E GOOLER3 Filed as: SAMANTHA GOOLER | 15 KEVIN DRIVE SUFFERN, NY 10901 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL RISKA | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $2 | — | $2 | 0.01% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $2 | — | $2 | 0.01% |
| BLAZE FREMIN3 | PO BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $2 | — | $2 | 0.01% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $2 | — | $2 | 0.01% |
| SCOTT WEBB3 | 2155 WEST PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $1 | — | $1 | 0.01% |
| BRENDA S HAMILTON3 Filed as: BRENDA HAMILTON | 37 BIRCH AVENUE CLOVIS, CA 93611 | AFLAC | $1 | — | $1 | 0.01% |
| ANA ARRIAGA3 | 1115 GRAY AVENUE YUBA CITY, CA 95991 | AFLAC | $1 | — | $1 | 0.01% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 34 WATCH HILL DRIVE MIDDLETOWN, CT 06457 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID CRITTENDEN3 | 292 OGDEN AVENUE TEANECK, NJ 07666 | AFLAC | $282 | — | $282 | 5.14% |
| QUATTRONE FINANCIAL SERVICES3 | 95 WASHINGTON AVENUE SUFFEN, NY 10901 | AFLAC | $157 | — | $157 | 2.86% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $82 | — | $82 | 1.50% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA ALNE HOWELL, NJ 07731 | AFLAC | $52 | — | $52 | 0.95% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $47 | — | $47 | 0.86% |
| MERYL SURGAN3 | 326 JAEGER AVENUE MAYWOOD, NJ 07607 | AFLAC | $7 | — | $7 | 0.13% |
| MELISA SCHOFIELD3 | 34 WATCH HILL DRIVE MIDDLETOWN, CT 06457 | AFLAC | $2 | — | $2 | 0.04% |
| BRADLEY MADIGAN3 | 70 BRIXTON ROAD GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.04% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 113 | $1.1M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 113 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 113 | $1.1M |
| Life insurance(2 contracts) | AFLAC | 14 | $19K |
| Other(2 contracts) | AFLAC | 14 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.