| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 100 PINE STREET 11TH FLOOR SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE COMPANY | $166K | $2K | $168K | 4.38% |
| TRACY L WILBANKS3 Filed as: TRACY WILBANKS | 446 WEST 55TH STREET APARTMENT 2B NEW YORK, NY 10019 | AFLAC | $15K | $1K | $16K | 12.32% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $2K | $226 | $2K | 1.42% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $1K | $158 | $2K | 1.21% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER CORPORATION | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $1K | $216 | $1K | 1.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 WEST 57TH STREET SUITE 8C NEW YORK, NY 10019 | AFLAC | $1K | — | $1K | 0.86% |
| SPHEREC GROUP LLC3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $878 | $245 | $1K | 0.84% |
| RICHARD WHELAN3 | 3507 NORTHWEST CLUBSIDE CIRCLE BOCA RATON, FL 33496 | AFLAC | $803 | $43 | $846 | 0.64% |
| ANDREW HENRY3 | 37 FLORIDA STREET LONG BEACH, NY 11561 | AFLAC | $554 | — | $554 | 0.42% |
| JAMES K FULATER3 Filed as: JAMES FULATER | 3052 34TH STREET APARTMENT 2A ASTORIA, NY 11103 | AFLAC | $402 | — | $402 | 0.30% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $372 | — | $372 | 0.28% |
| BRIAN MILLER3 | 14 WALL STREET 8TH FLOOR NEW YORK, NY 10005 | AFLAC | $368 | — | $368 | 0.28% |
| TIMOTHY CAVAZOS3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $287 | $64 | $351 | 0.26% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $329 | — | $329 | 0.25% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $270 | — | $270 | 0.20% |
| MIGUEL FIGUEROA3 | 112 EAST 28TH STREET APARTMENT 1 BROOKLYN, NY 11226 | AFLAC | $197 | — | $197 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVENUE APARTMENT 3D BROOKLYN, NY 11209 | AFLAC | $122 | — | $122 | 0.09% |
| TOMMY TAM3 | 418 EAST 74TH STREET APARTMENT 1B NEW YORK, NY 10028 | AFLAC | $101 | — | $101 | 0.08% |
| KAREN ROJAS HENRY3 | 610 THE VILLAGE 316 REDONDO, CA 90277 | AFLAC | $69 | $32 | $101 | 0.08% |
| DANIELLE L SCHOFS3 Filed as: DANIELLE SCHOFS | 225 EAST 84TH STREET APARTMENT 2C NEW YORK, NY 10028 | AFLAC | $97 | — | $97 | 0.07% |
| CRAIG CHASE3 | 369 40TH STREET LINDENHURST, NY 11757 | AFLAC | $53 | — | $53 | 0.04% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 EAST 80TH STREET APARTMENT 1A NEW YORK, NY 10075 | AFLAC | $42 | — | $42 | 0.03% |
| JAMES COSARES3 | 1051 80TH STREET BROOKLYN, NY 11228 | AFLAC | $40 | — | $40 | 0.03% |
| DAVID HERNANDEZ3 | 3848 WEST CARSON STREET SUITE 110 TORRANCE, CA 90503 | AFLAC | $32 | $6 | $38 | 0.03% |
| KIM HAMMOND3 | 1 BANK STREET APARTMENT 5L NEW YORK, NY 10014 | AFLAC | $28 | $5 | $33 | 0.02% |
| DANIELLE MURPHY3 | 14 HODGES PLACE UNIT 1 STATEN ISLAND, NY 10314 | AFLAC | $16 | $3 | $19 | 0.01% |
| BRIAN GLEASON3 | 4 BEACH ROAD OSSINING, NY 10562 | AFLAC | $16 | — | $16 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: HESLIN GALLAHER | 173 GELSTON AVENUE APARTMENT 3D BROOKLYN, NY 11209 | AFLAC | $11 | — | $11 | 0.01% |
| CIRO ABRIL3 | 18 BRACKEN COURT HOWELL, NY 07731 | AFLAC | $10 | — | $10 | 0.01% |
| MANUEL A MADRID3 Filed as: MANUEL MADRID | 60 HAMILTON AVENUE APARTMENT 3K STATEN ISLAND, NY 10301 | AFLAC | $6 | — | $6 | 0.00% |
| S BEIN INC3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $5 | $1 | $6 | 0.00% |
| MARY ANN MASTROIANNI3 | 788 CAPTAINS GATE WESTBURY, NY 11803 | AFLAC | $5 | — | $5 | 0.00% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $4 | $1 | $5 | 0.00% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE CORPORATION | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $3 | $1 | $4 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 WEST 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.80% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 OF DEARBORN CENTER SUITE 100 MOUNT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 WEST 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.09% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 OF DEARBORN CENTER SUITE 100 MOUNT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.91% |
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 | 556 | 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) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 594 | $3.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 594 | $3.8M |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 495 | $43K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 495 | $41K |
| Other(2 contracts, 2 carriers) | AFLAC | 495 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.