| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: J.H. COHN CHERNOFF DIAMOND | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | OXFORD HEALTH INSURANCE, INC | $56K | $0 | $56K | 1.76% |
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | OXFORD HEALTH INSURANCE, INC | $40K | $0 | $40K | 1.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 1133 WESTCHERSTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC | $0 | $12K | $12K | 0.38% |
| JAMES E THARP3 Filed as: JAMES E. THARP | 6 PINE TREE COURT VALLEY COTTAGE, NY 10989 | AFLAC | $12K | $776 | $13K | 17.55% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 1 BLUE HILL PLAZA, SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $2K | $155 | $3K | 3.41% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE, SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $2K | $157 | $2K | 2.80% |
| W E BRENNAN INC3 Filed as: W.E. BRENNAN INC. | 5 CORPORATE DRIVE, SUITE 104 CENTRAL VALLEY, NY 10917 | AFLAC | $1K | $0 | $1K | 1.60% |
| MJ INSURANCE3 Filed as: MICHAEL T. REYES AND VARIOUS AGENTS | 185 PLAINS RAOD, SUITE 200E MILFORD, CT 06461 | AFLAC | $652 | $2 | $654 | 0.87% |
| JULIE POLINSKY3 | 744 CARROLL PLACE MADISON, CT 06443 | AFLAC | $106 | $0 | $106 | 0.14% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 190 SE 5TH AVENUE, APARTMENT 312 DELRAY BEACH, FL 33483 | AFLAC | $71 | $0 | $71 | 0.09% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $536 | $2K | 3.55% |
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.13% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 1133 WESTCHERSTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $138 | $1K | 2.03% |
| ACRISURE LLC3 Filed as: J.H. COHN CHERNOFF DIAMOND | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.01% |
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $892 | $0 | $892 | 5.69% |
| ACRISURE LLC3 Filed as: J.H. COHN CHERNOFF DIAMOND | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $861 | $0 | $861 | 5.49% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $784 | $784 | 5.00% |
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | EMPLOYEE SERVICES, INC. | $608 | $0 | $608 | 5.00% |
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | THE PAUL REVERE LIFE INSURANCE COMPANY | $415 | $0 | $415 | 3.95% |
| DANA SUMMERS3 | 135 BALLSTON DRIVE MORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $268 | $0 | $268 | 2.55% |
| MICHAEL GEOFFREY VASQUEZ3 | 55 BROADWAY NEW YORK, NY 10006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $184 | $0 | $184 | 1.75% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $117 | $0 | $117 | 1.11% |
| HOWARD HOROWITZ3 Filed as: HOWARD P. DILEMA | 100 JAY STREET, APRTMENT 14J BROOKLYN, NY 11201 | THE PAUL REVERE LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.51% |
| SALATHIEL MALDONADO3 | 3717 CYPRESS AVENUE BROOKLYN, NY 11224 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.09% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 442 | $3.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $65K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 322 | $16K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 442 | $3.2M |
| Other(4 contracts, 4 carriers) | AFLAC | 452 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.