| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 Filed as: ADVOCATE INC. | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $34K | $0 | $34K | 8.52% |
| 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 | $20K | $20K | 4.99% |
| 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 | $134 | $0 | $134 | 0.03% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $10K | $314 | $10K | 6.46% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $9K | $314 | $9K | 5.89% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $8K | $657 | $8K | 5.26% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $5K | $628 | $5K | 3.44% |
| MJ INSURANCE3 Filed as: ILANA A. IZSAK AND VARIOUS AGENTS | 10848 70TH ROAD APARTMENT 10G FOREST HILLS, NY 11375 | AFLAC | $2K | $0 | $2K | 1.24% |
| ENROLLEASE3 Filed as: ANDREW J. CLARKE | 74-76 MONORE STREET APARTMENT 4 HOBOKEN, NJ 07030 | AFLAC | $485 | $59 | $544 | 0.34% |
| JUSTIN KURIAN3 | 32 HAYNES AVENUE DOBBS FERRY, NY 10522 | AFLAC | $456 | $0 | $456 | 0.29% |
| ADVOCATE, INC.3 Filed as: ADVOCATE INC. | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.32% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $3K | $32 | $3K | 3.97% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $3K | $69 | $3K | 3.44% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $2K | $32 | $2K | 2.26% |
| HAMILTON CAVANAUGH AND OTHER AGENTS3 | 2975 WESTCHESTER AVENUE, SUITE 114 PURCHASE, NY 10577 | AFLAC | $2K | $0 | $2K | 1.98% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $867 | $69 | $936 | 1.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | AFLAC | $652 | $0 | $652 | 0.86% |
| ROCO SOLUTIONS LLC3 | 704 SEAGATE DRIVE TAMPA, FL 33602 | AFLAC | $385 | $0 | $385 | 0.51% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $2K | $88 | $3K | 9.39% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $2K | $300 | $2K | 8.11% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $2K | $88 | $2K | 8.09% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $1K | $76 | $1K | 4.50% |
| ROCO SOLUTIONS LLC3 Filed as: ROCO SOLUTIONS LLC AND OTHER AGENTS | 704 SEAGATE DRIVE TAMPA, FL 33602 | AFLAC | $154 | $0 | $154 | 0.57% |
| KEITH LEPACK3 | 1991 BROADWAY APARTMENT 12B NEW YORK, NY 10023 | AFLAC | $105 | $0 | $105 | 0.39% |
| ENROLLEASE3 Filed as: ANDREW J. CLARKE | 74-76 MONORE STREET APARTMENT 4 HOBOKEN, NJ 07030 | AFLAC | $94 | $0 | $94 | 0.35% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $702 | $0 | $702 | 5.16% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $578 | $0 | $578 | 4.25% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $471 | $0 | $471 | 3.46% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $277 | $0 | $277 | 2.04% |
| ILANA A IZSAK3 Filed as: ILANA A. IZSAK | 10848 70TH ROAD APARTMENT 10G FOREST HILLS, NY 11375 | AFLAC | $183 | $0 | $183 | 1.34% |
| MJ INSURANCE3 Filed as: JUSTIN KURIAN AND VARIOUS AGENTS | 32 HAYNES AVENUE DOBBS FERRY, NY 10522 | AFLAC | $141 | $0 | $141 | 1.04% |
| DANIELLE L SCHOFS3 Filed as: DANIELLE L. SCHOFS | 21 WEST 76TH STREET APARTMENT 1BW NEW YORK, NY 10023 | AFLAC | $53 | $0 | $53 | 0.39% |
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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 837 | $80K |
| Vision | AETNA LIFE INSURANCE COMPANY | 837 | $80K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 663 | $404K |
| Short-term disability(5 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 663 | $679K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 663 | $404K |
| Other(5 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 663 | $679K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 837 | — |
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.