| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LW SOLUTIONS, INCORPORATED3 | 6735 RANCHO TYON PLACE SAN DIEGO, CA 92130 | EMBLEMHEALTH | $168K | — | $168K | 3.00% |
| 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 | $23K | $4K | $27K | 11.19% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | $10K | $11K | $20K | 9.50% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.87% |
| AMERICAN TEL-TEK INC.3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $2K | $32 | $2K | 3.78% |
| PACKES J D CORP3 Filed as: PACKES J D CORPORATION | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $2K | $35 | $2K | 3.36% |
| JACK E WILSON3 | 83 BROADWAY HARRISON, NY 10528 | AFLAC | $628 | $27 | $655 | 1.38% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $592 | — | $592 | 1.24% |
| CLINTON JOHNSON3 | 430 EAST 22ND STREET APARTMENT 3B BROOKLYN, NY 11226 | AFLAC | $367 | $40 | $407 | 0.86% |
| TERRENCE ELLIOTT3 | 1523 TAYLOR AVENUE APARTMENT 11 BRONX, NY 10460 | AFLAC | $251 | — | $251 | 0.53% |
| ANGELA MONTENEGRO3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $225 | $19 | $244 | 0.51% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $242 | — | $242 | 0.51% |
| PERRY E MEDINA3 Filed as: PERRY MEDINA | 30 DOROTHY DRIVE MONROE, NY 10950 | AFLAC | $239 | — | $239 | 0.50% |
| FRANCIS JOSEPH KEENOY3 Filed as: FRANCIS KEENOY | 3130 KINGSBRIDGE AVENUE APARTMENT 302A BRONX, NY 10463 | AFLAC | $180 | — | $180 | 0.38% |
| ALVARO MONTENEGRO3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $175 | — | $175 | 0.37% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $106 | $19 | $125 | 0.26% |
| NANCY A PODHRADSKY3 Filed as: NANCY PODHRADSKY | 71 DARLING AVENUE NEW ROCHELLE, NY 10804 | AFLAC | $110 | — | $110 | 0.23% |
| CHARLTON W DAVENPORT3 | 3132 EDISON AVENUE SUITE 2 BRONX, NY 10469 | AFLAC | $108 | — | $108 | 0.23% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $98 | $8 | $106 | 0.22% |
| JOY A FRANCIS3 | 52 PLAINEDGE DRIVE BETHPAGE, NY 11714 | AFLAC | $100 | — | $100 | 0.21% |
| JUAN LOJA3 | 108 MAIN STREET SUITE 200 TARRYTOWN, NY 10591 | AFLAC | $60 | — | $60 | 0.13% |
| KEVIN CARTY3 | 18 BRADHURST ROAD CARMEL, NY 10512 | AFLAC | $58 | — | $58 | 0.12% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NY 07444 | AFLAC | $48 | $8 | $56 | 0.12% |
| DENNIS E FEERY3 Filed as: DENNIS FEERY | 92 NORTH AVENUE SUITE 2 NEW ROCHELLE, NY 10801 | AFLAC | $47 | — | $47 | 0.10% |
| ROSA JONES3 | 82 FERNDALE AVENUE WATERBURY, CT 06708 | AFLAC | $39 | — | $39 | 0.08% |
| SHERON LAWSON3 | 3320 SEYMOUR AVENUE BRONX, NY 10469 | AFLAC | $32 | — | $32 | 0.07% |
| RICHARD JOSEPH3 | 34 PONDVIEW DRIVE CONGERS, NY 10920 | AFLAC | $23 | — | $23 | 0.05% |
| MELISA SCHOFIELD3 | 34 WATCH HILL DRIVE MIDDLETOWN, CT 06457 | AFLAC | $11 | — | $11 | 0.02% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER CORPORATION | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $9 | — | $9 | 0.02% |
| STEPHEN WHITE3 | 214 25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $7 | — | $7 | 0.01% |
| TREVOR FENNELL3 | 11835 QUEEENS BOULAVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $6 | — | $6 | 0.01% |
| TOMAS FLORES3 | 1265 15TH STREET APARTMENT 16G FORT LEE, NJ 07024 | AFLAC | $5 | — | $5 | 0.01% |
| WENDY CALIENDO3 | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $5 | — | $5 | 0.01% |
| SHERYL LAWSON3 | 100 CO OP CITY BOULAVARD APARTMENT 13G BRONX, NY 10475 | AFLAC | $2 | — | $2 | 0.00% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVID | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $1 | — | $1 | 0.00% |
| JEAN DAVID3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $1 | — | $1 | 0.00% |
| AMERICAN TEL-TEK INC.3 Filed as: AMERICAN TEL-TEK INCORPORATED | 82 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $3K | $155 | $3K | 6.17% |
| PACKES J D CORP3 Filed as: PACKES J D CORPORATION | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $867 | $13 | $880 | 1.96% |
| ANGELA MONTENEGRO3 Filed as: ANGELA MONTENENGRO | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $687 | $88 | $775 | 1.72% |
| JACK E WILSON3 Filed as: JACK WILSON | 83 BROADWAY HARRISON, NY 10528 | AFLAC | $705 | $48 | $753 | 1.67% |
| DENNIS E FEERY3 Filed as: DENNIS FEERY | 92 NORTH AVENUE SUITE 2 NEW ROCHELLE, NY 10801 | AFLAC | $523 | $45 | $568 | 1.26% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $397 | $65 | $462 | 1.03% |
| CLINTON JOHNSON3 | 430 EAST 22ND STREET APARTMENT 3D BROOKLYN, NY 11226 | AFLAC | $440 | $11 | $451 | 1.00% |
| TERRENCE ELLIOTT3 | 1523 TAYLOR AVENUE APARTMENT 11 BRONX, NY 10460 | AFLAC | $328 | — | $328 | 0.73% |
| FRANCIS JOSEPH KEENOY3 Filed as: FRANCIS KEENOY | 3130 KINGSBRIDGE AVENUE APARTMENT 302A BRONX, NY 10463 | AFLAC | $238 | — | $238 | 0.53% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $234 | — | $234 | 0.52% |
| PERRY E MEDINA3 | 30 DOROTHY DRIVE MONROE, NY 10950 | AFLAC | $199 | — | $199 | 0.44% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $163 | — | $163 | 0.36% |
| ALVARO MONTENEGRO3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $141 | — | $141 | 0.31% |
| KEVIN CARTY3 | 18 BRADHURST ROAD CARMEL, NY 10512 | AFLAC | $133 | — | $133 | 0.30% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $117 | $2 | $119 | 0.26% |
| TREVOR FENNELL3 | 11835 QUEENS BOULAVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $55 | — | $55 | 0.12% |
| CHARLTON W DAVENPORT3 | 3132 EDSON AVENUE SUITE 2 BRONX, NY 10469 | AFLAC | $45 | — | $45 | 0.10% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $41 | — | $41 | 0.09% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $40 | — | $40 | 0.09% |
| JEAN DAVID3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $29 | — | $29 | 0.06% |
| RICHARD JOSEPH3 | 34 PONDVIEW DRIVE CONGERS, NY 10920 | AFLAC | $27 | — | $27 | 0.06% |
| JOY A FRANCIS3 Filed as: JOY FRANCIS | 52 PLAINEDGE DRIVE BETHPAGE, NY 11714 | AFLAC | $23 | — | $23 | 0.05% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRANCE POMPTON PLAINS, NJ 07444 | AFLAC | $21 | $2 | $23 | 0.05% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $19 | — | $19 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 2500 WESTCHESTER AVENUE SUITE 203 PURCHASE, NY 10577 | AFLAC | $16 | — | $16 | 0.04% |
| NANCY A PODHRADSKY3 Filed as: NANCY PODHRADSKY | 71 DARLING AVE NEW ROCHELLE, NY 10804 | AFLAC | $12 | — | $12 | 0.03% |
| SHERYL LAWSON3 | 100 CO OP CITY BOULEVARD APARTMENT 13G BRONX, NY 10475 | AFLAC | $9 | — | $9 | 0.02% |
| STEPHEN WHITE3 | 214 25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $9 | — | $9 | 0.02% |
| SHERYL LAWSON3 | 100 CO OP CITY BOULAVARD APARTMENT 13G BRONX, NY 10475 | AFLAC | $9 | — | $9 | 0.02% |
| MELISA SCHOFIELD3 | 34 WATCH HILL DRIVE MIDDLETOWN, CT 06457 | AFLAC | $5 | — | $5 | 0.01% |
| JUAN LOJA3 | 108 MAIN STREET TARRYTOWN, NY 10591 | AFLAC | $5 | — | $5 | 0.01% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C ATTN AFLAC NEW YORK, NY 10005 | AFLAC | $4 | — | $4 | 0.01% |
| TOMAS FLORES3 | 1265 15TH STREET APARTMENT 16G FORT LEE, NJ 07024 | AFLAC | $4 | — | $4 | 0.01% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO LLC | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $3 | — | $3 | 0.01% |
| WENDY CALIENDO3 | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $2 | — | $2 | 0.00% |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.00% |
| AMERICAN TEL-TEK INC.3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $515 | $12 | $527 | 3.51% |
| CLINTON JOHNSON3 | 430 EAST 22ND STREET APARTMENT 3B BROOKLYN, NY 11226 | AFLAC | $462 | $24 | $486 | 3.24% |
| PACKES J D CORP3 Filed as: PACKES J D CORPORATION | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $366 | $18 | $384 | 2.56% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $198 | $5 | $203 | 1.35% |
| JACK E WILSON3 Filed as: JACK WILSON | 83 BROADWAY HARRISON, NY 10461 | AFLAC | $149 | — | $149 | 0.99% |
| ANGELA MONTENEGRO3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $77 | $8 | $85 | 0.57% |
| ALVARO MONTENEGRO3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $73 | — | $73 | 0.49% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTON, RI 02852 | AFLAC | $62 | — | $62 | 0.41% |
| PERRY E MEDINA3 Filed as: PERRY MEDINA | 30 DOROTHY DRIVE MONROE, NY 10950 | AFLAC | $49 | — | $49 | 0.33% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $43 | $3 | $46 | 0.31% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $45 | — | $45 | 0.30% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NY 07444 | AFLAC | $38 | $5 | $43 | 0.29% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, RI 10591 | AFLAC | $37 | $5 | $42 | 0.28% |
| SHERYL LAWSON3 | 100 CO OP CITY BOULAVARD APARTMENT 13G BRONX, NY 10475 | AFLAC | $38 | — | $38 | 0.25% |
| DENNIS E FEERY3 Filed as: DENNIS FEERY | 92 NORTH AVENUE SUITE 2 NEW ROCHELLE, NY 10801 | AFLAC | $38 | — | $38 | 0.25% |
| TIMOTHY C CAVAZOS3 Filed as: TIMOTHY CAVADOS | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $29 | — | $29 | 0.19% |
| STEPHEN WHITE3 | 214 25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $28 | — | $28 | 0.19% |
| FRANNCIS KEENOY3 | 3130 KINGSBRIDGE AVENUE APARTMENT 302A BRONX, NY 10463 | AFLAC | $23 | $2 | $25 | 0.17% |
| KEVIN CARTY3 | 18 BRADHURST ROAD CARMEL, NY 10512 | AFLAC | $12 | — | $12 | 0.08% |
| TREVOR FENNELL3 | 11835 QUEENS BOULAVARD SUITE 1403 FOREST H ILLS, NY 11375 | AFLAC | $10 | — | $10 | 0.07% |
| TERRENCE ELLIOT3 | 1523 TAYLOR AVENUE APARTMENT 11 BRONX, NY 10514 | AFLAC | $2 | $8 | $10 | 0.07% |
| RICHARD JOSEPH3 | 34 PONDVIEW DRIVE CONGERS, NY 10920 | AFLAC | $7 | — | $7 | 0.05% |
| MELISA SCHOFIELD3 | 34 WATCH HILL DRIVE MIDDLETOWN, CT 06457 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $2 | — | $2 | 0.01% |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.01% |
| WENDY CALIENDO3 | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $1 | — | $1 | 0.01% |
| TOMAS FLORES3 | 1265 15TH STREET APARTMENT 16G FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.01% |
| TAMI ILLINGWORTH3 Filed as: TAMI M ILLINGWORTH | 317 JAMIE COURT HENDERSON, NV 89074 | AFLAC | $494 | $52 | $546 | 5.08% |
| JAMES D PACKES3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $224 | $15 | $239 | 2.22% |
| ESTELLE TOLSON3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $196 | $8 | $204 | 1.90% |
| ERIN RADA3 | 2900 SUNRIDGE HEIGHTS PARKWAY APARTMENT 92 HENDERSON, NV 89052 | AFLAC | $174 | $10 | $184 | 1.71% |
| DEBORAH L SENN3 Filed as: DEBORAH SENN | 230 BRIGGS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $61 | $10 | $71 | 0.66% |
| LANCE J MILLER3 Filed as: LANCE MILLER | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $52 | — | $52 | 0.48% |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $50 | — | $50 | 0.47% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 816 ACOMA STREET UNIT 215 DENVER, CO 80204 | AFLAC | $24 | — | $24 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $21 | — | $21 | 0.20% |
| SHARMAIN L BOUNDS3 Filed as: SHARMAIN BOUNDS | 2202 TEDESCA DRIVE HENDERSON, NV 89052 | AFLAC | $17 | — | $17 | 0.16% |
| HOOK ENTERPRISES LLC3 | 5 GREAT VALLEY PARKWAY SUITE 100 MALVERN, PA 19355 | AFLAC | $16 | — | $16 | 0.15% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 580 WHITE PLAINS RD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $16 | — | $16 | 0.15% |
| SIMON REYES3 | 4625 POLARIS AVENUE SUITE 212 LAS VEGAS, NV 89103 | AFLAC | $14 | — | $14 | 0.13% |
| MICHELE L BOGRETTE3 Filed as: MICHELE BOGRETTE | 989 BEAR TAVERN ROAD TRENTON, NJ 08628 | AFLAC | $10 | — | $10 | 0.09% |
| MICHAEL BELL3 | 8550 WEST DESERT INN ROAD SUITE 102 LAS VEGAS, NV 89117 | AFLAC | $10 | — | $10 | 0.09% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $9 | — | $9 | 0.08% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVENUE LAS VEGAS, NV 89166 | AFLAC | $1 | — | $1 | 0.01% |
| COLLEEN LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $1 | — | $1 | 0.01% |
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 | 1,018 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,028 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 305 | $5.6M |
| Dental(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 413 | $359K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 413 | $240K |
| Life insurance(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,018 | $331K |
| Short-term disability(4 contracts) | AFLAC | 76 | $118K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,018 | $213K |
| Prescription drug | EMBLEMHEALTH | 305 | $5.6M |
| Other(7 contracts, 4 carriers) | EMBLEMHEALTH | 2,540 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,540 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.