| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LW SOLUTIONS, INC.3 | 6735 RANCHO TYON PLACE SAN DIEGO, CA 92130 | EMBLEMHEALTH | $146K | — | $146K | 3.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GR0UP PLANS INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $5K | $25K | 11.94% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | $12K | $9K | $21K | 11.51% |
| AMERICAN TEL-TEK INC.3 Filed as: AMERICAN TEL-TEK INC C/O ESTELLE TO | 82 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $2K | $2 | $2K | 4.78% |
| TERRENCE ELLIOTT3 | 2050 EASTCHESTER ROAD SUITE 202 BRONX, NY 10461 | AFLAC | $2K | — | $2K | 4.04% |
| PACKERS J D CORP3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $2K | $2 | $2K | 3.47% |
| JACK E WILSON3 | 83 BROADWAY HARRISON, NY 10528 | AFLAC | $650 | — | $650 | 1.33% |
| CLINTON JOHNSON3 Filed as: CLINTON WAYNE JOHNSON | 1301 SAINT JOHNS PLACE APARTMENT B BROOKLYN, NY 11213 | AFLAC | $576 | $6 | $582 | 1.19% |
| FRANCIS JOSEPH KEENOY3 | 3130 KINGSBRIDGE AVENUE APARTMENT 302A BRONX, NY 10463 | AFLAC | $542 | $1 | $543 | 1.11% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $540 | — | $540 | 1.11% |
| ANGELA MONTENEGRO3 | 92 NORTH AVENUE NEW ROCHELLE, NY 10801 | AFLAC | $398 | — | $398 | 0.82% |
| ANGELA MONTENEGRO3 | 92 NORTH AVENUE NEW ROCHELLE, NY 10801 | AFLAC | $396 | — | $396 | 0.81% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $337 | — | $337 | 0.69% |
| PERRY E MEDINA3 | 30 DOROTHY DRIVE MONROE, NY 10950 | AFLAC | $257 | $1 | $258 | 0.53% |
| DENNIS E FEERY3 | 92 NORTH AVENUE SUITE 2 NEW ROCHELLE, NY 10801 | AFLAC | $186 | — | $186 | 0.38% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDI | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $168 | $1 | $169 | 0.35% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $166 | $1 | $167 | 0.34% |
| TREVOR FENNELL3 | 820 NORTH ORLEANS STREET SUITE 405 CHICAGO, IL 60610 | AFLAC | $97 | $1 | $98 | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 2500 WESTCHESTER AVENUE SUITE 203 PURCHASE, NY 10577 | AFLAC | $91 | — | $91 | 0.19% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $73 | $1 | $74 | 0.15% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY DAY ASSOCIATES LLCFENNELL | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $40 | — | $40 | 0.08% |
| CHARLTON W DAVENPORT3 | 3132 EDSON AVENUE SUITE 2 BRONX, NY 10469 | AFLAC | $36 | — | $36 | 0.07% |
| SHERYL LAWSON3 | 100 CO OP CITY BOULEVARD APARTMENT 13G BRONX, NY 10475 | AFLAC | $30 | — | $30 | 0.06% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $21 | — | $21 | 0.04% |
| JEAN PAUL DAVID3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $21 | — | $21 | 0.04% |
| NANCY A PODHRADSKY3 | 71 DARLING AVENUE NEW ROCHELLE, NY 10804 | AFLAC | $11 | — | $11 | 0.02% |
| JEAN PAUL DAVID3 | 66 POWERHOUSE ROAD SUITE 403 ROSLYN HEIGHTS, NY 11577 | AFLAC | $9 | — | $9 | 0.02% |
| STEPHEN WHITE3 | 214 25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $7 | — | $7 | 0.01% |
| TIMOTHY C CAVAZOS3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $6 | — | $6 | 0.01% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO LLC | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $3 | — | $3 | 0.01% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C ATTN AFLAC NEW YORK, NY 10005 | AFLAC | $3 | — | $3 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: REGINA BROWN | 48 COTTAGE STREET APARTMENT D PORT CHESTER, NY 10573 | AFLAC | $2 | — | $2 | 0.00% |
| AMERICAN TEL-TEK INC.3 Filed as: AMERICAN TEL-TEK INC C/O ESTELLE TO | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $2K | — | $2K | 5.11% |
| PACKERS J D CORP3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $2K | — | $2K | 3.60% |
| TERRENCE ELLIOTT3 | 2050 EASTCHESTER ROAD SUITE 202 BRONX, NY 10461 | AFLAC | $908 | — | $908 | 2.09% |
| JACK E WILSON3 | 83 BROADWAY HARRISON, NY 10528 | AFLAC | $516 | — | $516 | 1.19% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $497 | — | $497 | 1.14% |
| JOY A FRANCIS3 | 52 PLAINEDGE DRIVE BETHPAGE, NY 11714 | AFLAC | $432 | — | $432 | 0.99% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $381 | — | $381 | 0.88% |
| FRANCIS JOSEPH KEENOY3 | 3130 KINGSBRIDGE AVENUE APARTMENT 302A BRONX, NY 10463 | AFLAC | $337 | — | $337 | 0.78% |
| ANGELA MONTENEGRO3 | 92 NORTH AVENUE NEW ROCHELLE, NY 10801 | AFLAC | $278 | — | $278 | 0.64% |
| PERRY E MEDINA3 | 30 DOROTHY DRIVE MONROE, NY 10950 | AFLAC | $255 | — | $255 | 0.59% |
| ANGELA MONTENEGRO3 | 2050 EASTCHESTER ROAD SUITE 202 BRONX, NY 10461 | AFLAC | $253 | — | $253 | 0.58% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $201 | — | $201 | 0.46% |
| CLINTON JOHNSON3 Filed as: CLINTON WAYNE JOHNSON | 1301 SAINT JOHNS PLACE APARTMENT B BROOKLYN, NY 11213 | AFLAC | $151 | — | $151 | 0.35% |
| CHARLTON W DAVENPORT3 | 3132 EDISON AVENUE SUITE 2 BRONX, NY 10469 | AFLAC | $124 | — | $124 | 0.29% |
| NANCY A PODHRADSKY3 | 71 DARLING AVENUE NEW ROCHELLE, NY 10804 | AFLAC | $102 | — | $102 | 0.23% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $71 | — | $71 | 0.16% |
| DENNIS E FEERY3 | 92 NORTH AVENUE SUITE 2 NEW ROCHELLE, NY 10801 | AFLAC | $31 | — | $31 | 0.07% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $26 | — | $26 | 0.06% |
| SHERON LAWSON3 | 3320 SEYMOUR AVENUE BRONX, NY 10469 | AFLAC | $23 | — | $23 | 0.05% |
| TREVOR FENNELL3 | 820 NORTH ORLEANS STREET SUITE 405 CHICAGO, IL 60610 | AFLAC | $21 | — | $21 | 0.05% |
| STEPHEN WHITE3 | 214 25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $16 | — | $16 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: REGINA BROWN | 48 COTTAGE STREET APARTMENT D PORT CHESTER, NY 10573 | AFLAC | $7 | — | $7 | 0.02% |
| AMERICAN TEL-TEK INC.3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $951 | — | $951 | 5.75% |
| CLINTON JOHNSON3 Filed as: CLINTON WAYNE JOHNSON | 1301 SAINT JOHNS PLACE APARTMENT B BROOKLYN, NY 11213 | AFLAC | $895 | — | $895 | 5.41% |
| PACKERS J D CORP3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $578 | — | $578 | 3.50% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $255 | — | $255 | 1.54% |
| TERRENCE ELLIOTT3 | 2050 EASTCHESTER ROAD SUITE 202 BRONX, NY 10461 | AFLAC | $171 | — | $171 | 1.03% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10038 | AFLAC | $163 | — | $163 | 0.99% |
| ANGELA MONTENEGRO3 | 2050 EASTCHESTER ROAD SUITE 202 BRONX, NY 10461 | AFLAC | $137 | — | $137 | 0.83% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $124 | — | $124 | 0.75% |
| ANGELA MONTENEGRO3 | 92 NORTH AVENUE NEW ROCHELLE, NY 10801 | AFLAC | $116 | — | $116 | 0.70% |
| TIMOTHY C CAVAZOS3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $97 | — | $97 | 0.59% |
| FRANCIS JOSEPH KEENOY3 | 3130 KINGSBRIDGE AVENUE APARTMENT 302A BRONX, NY 10463 | AFLAC | $95 | — | $95 | 0.57% |
| JACK E WILSON3 | 83 BROADWAY HARRISON, NY 10528 | AFLAC | $92 | — | $92 | 0.56% |
| PERRY E MEDINA3 | 30 DOROTHY DRIVE MONROE, NY 10950 | AFLAC | $67 | — | $67 | 0.41% |
| JOY A FRANCIS3 | 52 PLAINEDGE DRIVE BETHPAGE, NY 11714 | AFLAC | $59 | — | $59 | 0.36% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $55 | — | $55 | 0.33% |
| DENNIS E FEERY3 | 92 NORTH AVENUE SUITE 2 NEW ROCHELLE, NY 10801 | AFLAC | $46 | — | $46 | 0.28% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $39 | — | $39 | 0.24% |
| STEPHEN WHITE3 | 214 25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $38 | — | $38 | 0.23% |
| SHERYL LAWSON3 | 100 CO OP CITY BOULEVARD APARTMENT 13G BRONX, NY 10475 | AFLAC | $34 | — | $34 | 0.21% |
| TREVOR FENNELL3 | 820 NORTH ORLEANS STREET SUITE 405 CHICAGO, IL 60610 | AFLAC | $26 | — | $26 | 0.16% |
| CHARLTON W DAVENPORT3 | 3132 EDISON AVENUE SUITE 2 BRONX, NY 10469 | AFLAC | $7 | — | $7 | 0.04% |
| TAMI ILLINGWORTH3 Filed as: TAMI M ILLINGWORTH | 317 JAMIE COURT HENDERSON, NV 89074 | AFLAC | $506 | — | $506 | 3.92% |
| ESTELLE TOLSON3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $354 | — | $354 | 2.75% |
| JAMES D PACKES3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $307 | — | $307 | 2.38% |
| ERIN RADA3 Filed as: ERIN K RADA | 108 ROCKMOSS STREET LAS VEGAS, NV 89145 | AFLAC | $171 | — | $171 | 1.33% |
| LANCE J MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $95 | — | $95 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $84 | — | $84 | 0.65% |
| SIMON B REYES3 | 4625 POLARIS AVENUE SUITE 212 LAS VEGAS, NV 89103 | AFLAC | $70 | — | $70 | 0.54% |
| CONLON AND ASSOCIATES LLC3 | 653 SOUTH GULPH ROAD KING OF PRUSSIA, PA 19406 | AFLAC | $63 | — | $63 | 0.49% |
| LARRY W NICHOLSON3 | 636 NORTH TREZEVANT STREET MEMPHIS, TN 38112 | AFLAC | $60 | — | $60 | 0.47% |
| MICHELE L BOGRETTE3 | 989 BEAR TAVERN ROAD TRENTON, NJ 08628 | AFLAC | $50 | — | $50 | 0.39% |
| KEVIN R MCINERNEY3 | 680 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $26 | — | $26 | 0.20% |
| HOOK ENTERPRISES LLC3 | 5 GREAT VALLEY PARKWAY SUITE 100 MALVERN, PA 19355 | AFLAC | $22 | — | $22 | 0.17% |
| MICHAEL BELL3 Filed as: MICHAEL A BELL | 8550 WEST DESERT INN ROAD SUITE 102 LAS VEGAS, NV 89117 | AFLAC | $17 | — | $17 | 0.13% |
| SHARMAIN L BOUNDS3 Filed as: SHARMAIN L MYKLEBY | 2202 TEDESCA DRIVE HENDERSON, NV 89052 | AFLAC | $16 | — | $16 | 0.12% |
| MG BERBER INC3 | 1020 NORTH DELAWARE AVENUE SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $14 | — | $14 | 0.11% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $4 | — | $4 | 0.03% |
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 | 968 | 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) | 973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 310 | $4.9M |
| Dental(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $332K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $210K |
| Life insurance(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 968 | $306K |
| Short-term disability(4 contracts) | AFLAC | 59 | $122K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 968 | $185K |
| Prescription drug | EMBLEMHEALTH | 310 | $4.9M |
| Other(7 contracts, 4 carriers) | EMBLEMHEALTH | 2,175 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,175 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.