| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $28K | $0 | $28K | 8.88% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $16K | $16K | 5.00% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $7K | $239 | $7K | 5.95% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $6K | $212 | $6K | 5.00% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $4K | $436 | $4K | 3.57% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $4K | $436 | $4K | 3.49% |
| ENROLLEASE3 Filed as: ANDREW J. CLARKE & VARIOUS AGENTS | 74-76 MONROE STREET, APARTMENT 4 HOBOKEN, NJ 07030 | AFLAC | $1K | $0 | $1K | 1.11% |
| JUSTIN KURIAN3 | 32 HAYNES AVENUE DOBBS FERRY, NY 10522 | AFLAC | $282 | $0 | $282 | 0.23% |
| ILANA A IZSAK3 Filed as: ILANA A. IZSAK | 10848 70TH ROAD, APARTMENT 10G FOREST HILLS, NY 11375 | AFLAC | $171 | $0 | $171 | 0.14% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | AETNA LIFE INSURANCE COMPANY | $0 | $87 | $87 | 0.10% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | $56 | $1K | 5.68% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $1K | $56 | $1K | 5.32% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $717 | $120 | $837 | 4.16% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $542 | $120 | $662 | 3.29% |
| MJ INSURANCE3 Filed as: ROCO SOLUTIONS AND VARIOUS AGENTS | 704 SEAGATE DRIVE TAMPA, FL 33602 | AFLAC | $48 | $0 | $48 | 0.24% |
| LILLIAN TOMPKINS3 | 100 STONY BROOK COURT NEWBURGH, NY 12550 | AFLAC | $21 | $0 | $21 | 0.10% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES, LLC | 57-12 12TH AVENUE BEECHHURST, NY 11357 | AFLAC | $17 | $0 | $17 | 0.08% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $302 | $13 | $315 | 3.93% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $229 | $13 | $242 | 3.02% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $169 | $28 | $197 | 2.46% |
| ILANA A IZSAK3 Filed as: ILANA A. IZSAK | 10848 70TH ROAD, APARTMENT 10G FOREST HILLS, NY 11375 | AFLAC | $118 | $0 | $118 | 1.47% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $65 | $28 | $93 | 1.16% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP & VARIOUS AGENTS | 20 WATERVIEW BOULEVARD, SUITE 401 PARSIPPANY, NJ 07054 | AFLAC | $58 | $0 | $58 | 0.72% |
| DANIELLE L SCHOFS3 Filed as: DANIELLE L. SCHOFS | 21 WEST 76TH STREET, APARTMENT 1BW NEW YORK, NY 10023 | AFLAC | $30 | $0 | $30 | 0.37% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $282 | $0 | $282 | 4.19% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $253 | $0 | $253 | 3.76% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $184 | $0 | $184 | 2.73% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $102 | $0 | $102 | 1.51% |
| MJ INSURANCE3 Filed as: HAMILTON CAVANAUGH & VARIOUS AGENTS | 2975 WESTCHESTER AVENUE, SUITE 114 PURCHASE, NY 10577 | AFLAC | $99 | $0 | $99 | 1.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | AFLAC | $56 | $0 | $56 | 0.83% |
| ROCO SOLUTIONS LLC3 Filed as: ROCO SOLUTIONS, LLC | 704 SEAGATE DRIVE TAMPA, FL 33602 | AFLAC | $33 | $0 | $33 | 0.49% |
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 | 785 | 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) | 792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 984 | $83K |
| Vision | AETNA LIFE INSURANCE COMPANY | 984 | $83K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 817 | $318K |
| Short-term disability(5 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 817 | $477K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 817 | $318K |
| Other(5 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 817 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 984 | — |
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.