| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE CO. | $8K | $0 | $8K | 1.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE NEW YORK, NY 10173 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 8.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTHCARE AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $611 | $2K | 4.47% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $286 | $0 | $286 | 2.44% |
| ENIDA MICI3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $177 | $0 | $177 | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AFLAC | $146 | $0 | $146 | 1.25% |
| FRANK CRYSTAL & CO INC3 | 1 FINANCIAL SQ FL32 NEW YORK, NY 10005 | AFLAC | $108 | $0 | $108 | 0.92% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $93 | $0 | $93 | 0.79% |
| CHOO INC3 | 39 CENTRAL AVE 3RD FLOOR MONTCLAIR, NJ 07042 | AFLAC | $73 | $0 | $73 | 0.62% |
| J G DENIVO CORP3 | 14107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $70 | $0 | $70 | 0.60% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $62 | $0 | $62 | 0.53% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $57 | $0 | $57 | 0.49% |
| MATTHEW CERULLA3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $53 | $0 | $53 | 0.45% |
| S BEIN INC3 | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $31 | $0 | $31 | 0.26% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $28 | $0 | $28 | 0.24% |
| DEGATI & ASSOCIATES INC3 | 16059 23RD AVE WHITESTONE, NY 11357 | AFLAC | $28 | $0 | $28 | 0.24% |
| JOHN ALAN RAILTON3 | 7 FLINT RD AMITYVILLE, NY 11701 | AFLAC | $17 | $0 | $17 | 0.15% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $16 | $0 | $16 | 0.14% |
| HOWARD J. METZGER3 Filed as: HOWARD METZGER | 179 E MIDDLE PATENT RD BEFORD, NY 10506 | AFLAC | $14 | $0 | $14 | 0.12% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 110 RUSHMORE CT FLORHAM PARK, NJ 07932 | AFLAC | $12 | $0 | $12 | 0.10% |
| KENNETH REY VIOLA3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $11 | $0 | $11 | 0.09% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $10 | $0 | $10 | 0.09% |
| DANIELLE L SCHOFS3 | 1473 1ST AVE APT 3D NEW YORK, NY 10075 | AFLAC | $10 | $0 | $10 | 0.09% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $7 | $0 | $7 | 0.06% |
| BRIAN M DENOIA3 | 1312 BARTON AVE POINT PLEASANT BORO, NJ 08742 | AFLAC | $7 | $0 | $7 | 0.06% |
| GERALD M QUINN3 | 42766 KEARNEY TER CHANTILLY, VA 20152 | AFLAC | $6 | $0 | $6 | 0.05% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $6 | $0 | $6 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AFLAC | $6 | $0 | $6 | 0.05% |
| RICHARD A KORISH JR3 | 940 DENTON ST LA CROSSE, WI 54601 | AFLAC | $4 | $0 | $4 | 0.03% |
| MARTIN F. CONROY3 Filed as: MARTIN F CONROY | P O BOX 475 HOBOKEN, NJ 07030 | AFLAC | $4 | $0 | $4 | 0.03% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER ELIA LUBELSKY | 80 JOHN ST APT 11C NEW YORK, NY 10038 | AFLAC | $4 | $0 | $4 | 0.03% |
| BENITE A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | $0 | $3 | 0.03% |
| MICHAEL WELLING3 | 22 BRANCH BROOK RD WHITE PLAINS, NY 10605 | AFLAC | $2 | $0 | $2 | 0.02% |
| ROCO SOLUTIONS LLC3 | PO BOX 907 BEACON, NY 12508 | AFLAC | $2 | $0 | $2 | 0.02% |
| MICHAEL BUTTERFIELD3 | 2021 NEW RD STE 12B LINWOOD, NJ 08221 | AFLAC | $2 | $0 | $2 | 0.02% |
| MG BENEFITS CONSULTING GROUP LLC3 | 2A HARDSCRABBLE RD NORTH SALEM, NY 10560 | AFLAC | $1 | $0 | $1 | 0.01% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $1 | $0 | $1 | 0.01% |
| JASON G DENIVO3 | 14107 2OTH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $269 | $162 | $431 | 6.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AFLAC | $244 | $0 | $244 | 3.84% |
| RAYMOND J KOBER3 | 15712 12TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $193 | $0 | $193 | 3.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 605 THIRD AVENUE NEW YORK, NY 10158 | AFLAC | $92 | $0 | $92 | 1.45% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $57 | $14 | $71 | 1.12% |
| ENIDA MICI3 | 353 E 82ND ST NEW YORK, NY 10028 | AFLAC | $48 | $17 | $65 | 1.02% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DR FREDERICK, MD 21704 | AFLAC | $52 | $0 | $52 | 0.82% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $45 | $0 | $45 | 0.71% |
| KENNEITH C MEIER3 | 11835 QUEENS BVLD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $24 | $0 | $24 | 0.38% |
| JENNIFER E LUBELSKY3 | 80 JOHN ST APT 11C NEW YORK, NY 10038 | AFLAC | $17 | $0 | $17 | 0.27% |
| STEVEN WILLIAM BEINHORN3 | 81 STEPHEN DR PLAINVIEW, NJ 11803 | AFLAC | $17 | $0 | $17 | 0.27% |
| JANELLE MARIE GADOMSKI3 | 166 MIDLAND AVE YONKERS, NY 10705 | AFLAC | $16 | $0 | $16 | 0.25% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $10 | $0 | $10 | 0.16% |
| YVONNE CRISPINO KLINGER3 | 152 ROLLINS AVE STE 210 ROCKVILLE, MD 20852 | AFLAC | $10 | $0 | $10 | 0.16% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $10 | $0 | $10 | 0.16% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $8 | $0 | $8 | 0.13% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL AND CO INC | 601 PLAZA 1 6TH FLOOR JERSEY CITY, NJ 07311 | AFLAC | $6 | $0 | $6 | 0.09% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $5 | $0 | $5 | 0.08% |
| NANCY CLIFTON3 | 184 VILLA DI ESTE TER UNIT 112 LAKE MARY, FL 32746 | AFLAC | $4 | $0 | $4 | 0.06% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 401 E 80TH ST APT 6J NEW YORK, NY 10075 | AFLAC | $4 | $0 | $4 | 0.06% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NC 12866 | AFLAC | $2 | $0 | $2 | 0.03% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $2 | $0 | $2 | 0.03% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLIOT CITY, MD 21042 | AFLAC | $2 | $0 | $2 | 0.03% |
| JILL LISA RAPPAPORT3 | 448 PROSPECT AVE BROOKLYN, NY 11215 | AFLAC | $1 | $0 | $1 | 0.02% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $1 | $0 | $1 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MA 21113 | AFLAC | $1 | $0 | $1 | 0.02% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $1 | $0 | $1 | 0.02% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $1 | $0 | $1 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1 FINANCIAL SQ FL32 NEW YORK, NY 10005 | AFLAC | $1 | $0 | $1 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $407 | $0 | $407 | 10.28% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 305 | $646K |
| Dental | CIGNA HEALTHCARE AND LIFE INSURANCE COMPANY AND AFFILIATES | 190 | $42K |
| Vision | VISION SERVICE PLAN | 181 | $4K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 226 | $72K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 226 | $72K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 226 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.