| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 9 EAST RIVER PLACE EAST SUITE 310 FRESNO, CA 93720 | AETNA LIFE INSURANCE COMPANY | $127K | — | $127K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 100 PINE STREET 11TH FLOOR SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE COMPANY | $94K | $20K | $114K | 2.68% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 0.50% |
| TRACY L WILBANKS3 Filed as: TRACY WILBANKS | 446 WEST 55TH STREET APARTMENT 2B NEW YORK, NY 10019 | AFLAC | $13K | $842 | $14K | 10.23% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $2K | $168 | $2K | 1.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICCES INC | 320 WEST 57TH STREET NEW YORK, NY 10019 | AFLAC | $1K | — | $1K | 1.02% |
| TREVOR FENNELL3 Filed as: TREVOR FENNEL | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $1K | $15 | $1K | 0.92% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $901 | $75 | $976 | 0.73% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIRCLE NEW YORK, NY 10005 | AFLAC | $834 | $85 | $919 | 0.68% |
| SPHEREC GROUP LLC3 Filed as: SPHEREC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $714 | — | $714 | 0.53% |
| ANDREW HENRY3 | 37 FLORIDA STREET LONG BEACH, NY 11561 | AFLAC | $664 | $49 | $713 | 0.53% |
| BRIAN MILLER3 | 14 WALL STREET 8TH FLOOR NEW YORK, NY 10005 | AFLAC | $448 | $133 | $581 | 0.43% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $424 | $61 | $485 | 0.36% |
| JAMES K FULATER3 Filed as: JAMES FULATER | 3052 34TH STREET APARTMENT 2A ASTORIA, NY 11103 | AFLAC | $483 | — | $483 | 0.36% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $405 | $51 | $456 | 0.34% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLANS, NJ 07444 | AFLAC | $331 | $51 | $382 | 0.28% |
| TIMOTHY C CAVAZOS3 Filed as: TIMOTHY CAVOZOS | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $189 | $64 | $253 | 0.19% |
| MIGUEL FIGUEROA3 | 112 E 28TH STREET APARTMENT 1 BROOKLYN, NY 11226 | AFLAC | $196 | — | $196 | 0.15% |
| DANIELLE L SCHOFS3 Filed as: DANIELLE SCHOFS | 225 EAST 84TH STREET APARTMENT 2C NEW YORK, NY 10028 | AFLAC | $118 | $12 | $130 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVENUE APARTMENT 3D BROOKLYN, NY 11209 | AFLAC | $124 | — | $124 | 0.09% |
| TOMMY TAM3 | 418 EAST 74TH STREET APARTMENT 1B NEW YORK, NY 10021 | AFLAC | $100 | — | $100 | 0.07% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 EAST 80TH STREET APARTMENT 1A NEW YORK, NY 10075 | AFLAC | $51 | — | $51 | 0.04% |
| CRAIG CHASE3 | 389 40TH STREET LINDENHURST, NY 11757 | AFLAC | $49 | — | $49 | 0.04% |
| JAMES COSARES3 | 1051 80TH STREET BROOKLYN, NY 11228 | AFLAC | $37 | — | $37 | 0.03% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $32 | — | $32 | 0.02% |
| DAVID HERNANDEZ3 | 3848 W CARSON STREET SUITE 110 TORRANCE, CA 90503 | AFLAC | $27 | — | $27 | 0.02% |
| BRIAN GLEASON3 | 4 BEACH ROAD O, NY 10014 | AFLAC | $16 | — | $16 | 0.01% |
| KIM HAMMOND3 | 1 BANK STREET APARTMENT 5L NEW YORK, NY 10014 | AFLAC | $13 | — | $13 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: HESLIN GALLAGHER | 173 GELSTON AVENUE APARTMENT 3D BROOKLYN, NY 11209 | AFLAC | $12 | — | $12 | 0.01% |
| KAREN ROJAS HENRY3 | 610 THE VILLAGE SUITE 316 REDONDO BEACH, CA 90277 | AFLAC | $12 | — | $12 | 0.01% |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $1 | $10 | $11 | 0.01% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $1 | $10 | $11 | 0.01% |
| CIRO ABRIL3 | 18 BRACKEN COURT HOWELL, NJ 07731 | AFLAC | $10 | — | $10 | 0.01% |
| DANIELLE MURPHY3 | 14 HODGES PLACE UITE 1 STATEN ISLAND, NY 10314 | AFLAC | $7 | — | $7 | 0.01% |
| MANUEL A MADRID3 Filed as: MANUEL MADRID | 60 HAMILTON AVENUE APARTMENT 3K STATON ISLAND, NY 10301 | AFLAC | $5 | — | $5 | 0.00% |
| S BEIN INC3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $4 | — | $4 | 0.00% |
| MARY ANN MASTROIANNI3 | 788 CAPTAINS GATE WESTBURY, NY 11590 | AFLAC | $3 | — | $3 | 0.00% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 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 | $3K | $790 | $4K | 7.79% |
| 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 | $5K | $749 | $5K | 11.64% |
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 | 594 | 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) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 646 | $4.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 646 | $4.2M |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 559 | $50K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 559 | $46K |
| Other(2 contracts, 2 carriers) | AFLAC | 559 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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.