| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $70K | $2K | $72K | 9.51% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $38K | $38K | 5.00% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $11K | $93 | $11K | 6.99% |
| JANELLE M GADOMSKI3 Filed as: JANELLE GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $8K | $125 | $8K | 5.11% |
| ANDY CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $7K | $451 | $7K | 4.64% |
| MARK LUCIANI3 | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $2K | $0 | $2K | 1.45% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $2K | $0 | $2K | 1.16% |
| JUSTIN KURIAN AND OTHER AGENTS3 | 32 HAYNES ANENUE DOBBS FERRY, NY 10522 | AFLAC | $1K | $0 | $1K | 0.72% |
| ILANA IZSAK3 | 80 CRYSTAL COURT HEWLETT, NY 11557 | AFLAC | $179 | $0 | $179 | 0.12% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $3K | $39 | $3K | 7.40% |
| ANDY CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $2K | $224 | $2K | 5.12% |
| JANELLE M GADOMSKI3 Filed as: JANELLE GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $2K | $39 | $2K | 4.69% |
| MARK LUCIANI3 | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $475 | $0 | $475 | 1.36% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $458 | $0 | $458 | 1.31% |
| KOBER ASSOCIATES LLC & OTHER AGENTS3 | 57-12 12TH AVENUE BEECHHURST, NY 11357 | AFLAC | $53 | $0 | $53 | 0.15% |
| LILLIAN TOMPKINS3 | 100 STONY BROOK COURT NEWBURGH, NY 12550 | AFLAC | $42 | $0 | $42 | 0.12% |
| JANELLE M GADOMSKI3 Filed as: JANELLE GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $498 | $13 | $511 | 7.99% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $383 | $13 | $396 | 6.19% |
| ANDY CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $243 | $54 | $297 | 4.64% |
| MARK LUCIANI3 | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $92 | $0 | $92 | 1.44% |
| ILANA IZSAK3 | 80 CRYSTAL COURT HEWLETT, NY 11557 | AFLAC | $73 | $0 | $73 | 1.14% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $52 | $0 | $52 | 0.81% |
| LILLIAN TOMPKINS3 Filed as: LILLIAN TOMPKINS AND OTHER AGENTS | 100 STONY BROOK COURT NEWBURGH, NY 12550 | AFLAC | $36 | $0 | $36 | 0.56% |
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 | 974 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,123 | $110K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,123 | $110K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 971 | $759K |
| Short-term disability(4 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 971 | $952K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 971 | $759K |
| Other(4 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 971 | $952K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,123 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.