| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | ONE PENN SQUARE WEST 25TH FLOOR PHILADELPHIA, PA 19102 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $23K | $0 | $23K | 7.64% |
| ADVOCATE, INC.3 Filed as: ADVOCATE INC. | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 1.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 0.90% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $10K | $439 | $10K | 7.32% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $8K | $1K | $9K | 6.49% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $7K | $439 | $7K | 5.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SVCS AND OTHER AGENTS | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | AFLAC | $4K | $0 | $4K | 2.78% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $2K | $0 | $2K | 1.50% |
| ENROLLEASE3 Filed as: ANDREW J. CLARKE | 74-76 MONROE STREET APARTMENT 4 HOBOKEN, NJ 07030 | AFLAC | $2K | $370 | $2K | 1.37% |
| ILANA A IZSAK3 Filed as: ILANA A. IZSAK | 10848 70TH ROAD, APARTMENT 10G FOREST HILLS, NY 11375 | AFLAC | $1K | $405 | $2K | 1.27% |
| THE GRAHAM COMPANY3 | ONE PENN PLAZA WEST PHILADELPHIA, PA 19102 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.41% |
| ADVOCATE, INC.3 Filed as: ADVOCATE INC. | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.41% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $2K | $28 | $2K | 7.53% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $2K | $28 | $2K | 6.54% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $2K | $43 | $2K | 6.02% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $1K | $0 | $1K | 3.46% |
| MJ INSURANCE3 Filed as: ILANA A. IZSAK AND VARIOUS AGENTS | 10848 70TH ROAD, APARTMENT 10G FOREST HILLS, NY 11375 | AFLAC | $428 | $0 | $428 | 1.43% |
| ENROLLEASE3 Filed as: ANDREW J. CLARKE | 74-76 MONROE STREET APARTMENT 4 HOBOKEN, NJ 07030 | AFLAC | $292 | $56 | $348 | 1.16% |
| JUSTIN KURIAN3 | 32 HAYNES AVENUE DOBBS FERRY, NY 10522 | AFLAC | $92 | $0 | $92 | 0.31% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $486 | $9 | $495 | 4.89% |
| ENROLLEASE3 Filed as: ANDREW J. CLARKE AND OTHER AGENTS | 74-76 MONROE STREET APARTMENT 4 HOBOKEN, NJ 07030 | AFLAC | $378 | $0 | $378 | 3.74% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $305 | $0 | $305 | 3.02% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $285 | $0 | $285 | 2.82% |
| KEITH LEPACK3 | 1991 BROADWAY, APARTMENT 12B NEW YORK, NY 10023 | AFLAC | $137 | $51 | $188 | 1.86% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $132 | $0 | $132 | 1.31% |
| DANIELLE L SCHOFS3 Filed as: DANIELLE L. SCHOFS | 21 WEST 76TH STREET APARTMENT 1BW NEW YORK, NY 10023 | AFLAC | $66 | $0 | $66 | 0.65% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $125 | $6 | $131 | 2.22% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $127 | $0 | $127 | 2.15% |
| JUSTIN KURIAN3 | 32 HAYNES AVENUE DOBBS FERRY, NY 10522 | AFLAC | $99 | $0 | $99 | 1.67% |
| MJ INSURANCE3 Filed as: CHOO INC. AND VARIOUS AGENTS | 39 CENTRAL AVENUE, 3RD FLOOR MONTCLAIR, NJ 07042 | AFLAC | $82 | $0 | $82 | 1.39% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $68 | $6 | $74 | 1.25% |
| ILANA A IZSAK3 Filed as: ILANA A. IZSAK | 10848 70TH ROAD, APARTMENT 10G FOREST HILLS, NY 11375 | AFLAC | $43 | $24 | $67 | 1.13% |
| DANIELLE L SCHOFS3 Filed as: DANIELLE L. SCHOFS | 21 WEST 76TH STREET APARTMENT 1BW NEW YORK, NY 10023 | AFLAC | $19 | $0 | $19 | 0.32% |
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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 756 | $73K |
| Vision | AETNA LIFE INSURANCE COMPANY | 756 | $73K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 597 | $297K |
| Short-term disability(5 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 597 | $481K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 597 | $297K |
| Other(5 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 597 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 756 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.