| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $43K | $0 | $43K | 8.86% |
| 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 | $24K | $24K | 5.00% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $9K | $152 | $9K | 5.44% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $6K | $131 | $6K | 4.01% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $5K | $462 | $6K | 3.67% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $3K | $219 | $3K | 2.00% |
| ENROLLEASE3 Filed as: ANDREW J. CLARKE AND OTHER AGENTS | 74-76 MONROE STREET, APARTMENT 4 HOBOKEN, NJ 07030 | AFLAC | $1K | $0 | $1K | 0.89% |
| JUSTIN KURIAN3 | 32 HAYNES AVENUE DOBBS FERRY, NY 10522 | AFLAC | $315 | $0 | $315 | 0.20% |
| ILANA A IZSAK3 Filed as: ILANA A. IZSAK | 1498 KEW AVENUE HEWLETT, NY 11557 | AFLAC | $220 | $0 | $220 | 0.14% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $2K | $15 | $2K | 6.31% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $1K | $53 | $1K | 4.01% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $1K | $15 | $1K | 3.75% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $618 | $35 | $653 | 2.19% |
| LILLIAN TOMPKINS3 | 100 STONY BROOK COURT NEWBURGH, NY 12550 | AFLAC | $48 | $0 | $48 | 0.16% |
| MCINERNEY GROUP LLC3 Filed as: MCINERNEY GROUP LLC & OTHER AGENTS | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $38 | $0 | $38 | 0.13% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVENUE BEECHHURST, NY 11357 | AFLAC | $24 | $0 | $24 | 0.08% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP, APARTMENT 6C NEW YORK, NY 10038 | AFLAC | $960 | $0 | $960 | 8.50% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $888 | $0 | $888 | 7.87% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $751 | $0 | $751 | 6.65% |
| ILANA A IZSAK3 Filed as: ILANA A. IZSAK | 1498 KEW AVENUE HEWLETT, NY 11557 | AFLAC | $122 | $0 | $122 | 1.08% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $99 | $0 | $99 | 0.88% |
| LILLIAN TOMPKINS3 Filed as: LILLIAN TOMPKINS AND OTHER AGENTS | 100 STONY BROOK COURT NEWBURGH, NY 12550 | AFLAC | $38 | $0 | $38 | 0.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW JERSEY LLC | 20 WATERVIEW BOULEVARD, SUITE 401 PARISPPANY, NJ 07054 | AFLAC | $16 | $0 | $16 | 0.14% |
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 | 1,107 | 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) | 1,113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,325 | $114K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,325 | $114K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,077 | $486K |
| Short-term disability(4 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,077 | $688K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,077 | $486K |
| Other(4 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,077 | $688K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,325 | — |
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.