| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LW SOLUTIONS, INC.3 | 6735 RANCHO TYON PLACE SAN DIEGO, CA 92130 | EMBLEMHEALTH | $193K | — | $193K | 3.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC. | — | EMBLEMHEALTH | — | $128K | $128K | 2.00% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | HARTFORD LIFE AND ACCIDENT | $10K | $12K | $22K | 8.95% |
| DONALD C SAVOY INC3 | 350 MOTOR PARKWAY SUITE 404 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $921 | $24K | 9.98% |
| AMERICAN TEL-TEK INC.3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $6K | $237 | $6K | 5.70% |
| PACKES J D CORP3 Filed as: PACKES J D CORPORATION | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $6K | $249 | $6K | 5.41% |
| RABIA EBRAHIM3 | 38101 TOWN GREEN DRIVE ELMSFORD, NY 10523 | AFLAC | $3K | $178 | $3K | 3.17% |
| CLINTON JOHNSON3 | 430 EAST 22ND STREET APARTMENT 3B BROOKLYN, NY 11226 | AFLAC | $3K | $133 | $3K | 2.48% |
| JOSEPH FOXLEY3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $2K | $164 | $2K | 1.89% |
| SAFWAAN EBRAHIM3 | 38101 TOWN GREEN DRIVE ELMSFORD, NY 10523 | AFLAC | $2K | $103 | $2K | 1.86% |
| KATHLEEN BYRNE3 Filed as: KATHLEEN PERRINE | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $1K | $161 | $1K | 1.20% |
| JACK E WILSON3 Filed as: JACK WILSON | 320 LUPINE DRIVE KNOXVILLE, TN 37924 | AFLAC | $876 | $30 | $906 | 0.83% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $699 | — | $699 | 0.64% |
| BRIAN MILLER3 | 14 WALL STREET 8TH FLOOR NEW YORK, NY 10005 | AFLAC | $516 | $27 | $543 | 0.50% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $469 | $27 | $496 | 0.46% |
| ALVARO MONTENEGRO3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $419 | — | $419 | 0.39% |
| ANGELA MONTENEGRO3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $349 | — | $349 | 0.32% |
| KEVIN CARTY3 | 10 DINGLEY ROAD CARMEL, NY 10512 | AFLAC | $288 | $1 | $289 | 0.27% |
| DENNIS E FEERY3 Filed as: DENNIS FEERY | 92 NORTH AVENUE SUITE 2 NEW ROCHELLE, NY 10801 | AFLAC | $236 | — | $236 | 0.22% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $210 | — | $210 | 0.19% |
| FRANCIS JOSEPH KEENOY3 Filed as: FRANCIS KEENOY | 3130 KINGSBRIDGE AVENUE APARTMENT 302A BRONX, NY 10463 | AFLAC | $176 | — | $176 | 0.16% |
| TERRENCE ELLIOTT3 | 1523 TAYLOR AVENUE APARTMENT 11 BRONX, NY 10460 | AFLAC | $173 | — | $173 | 0.16% |
| PERRY E MEDINA3 Filed as: PERRY MEDINA | 30 DOROTHY DRIVE MONROE, NY 10950 | AFLAC | $169 | — | $169 | 0.16% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIRCLE FERNANDINA BEACH, FL 32034 | AFLAC | $146 | — | $146 | 0.13% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $69 | — | $69 | 0.06% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $50 | — | $50 | 0.05% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $48 | — | $48 | 0.04% |
| RICHARD JOSEPH3 | 34 PONDVIEW DRIVE CONGERS, NY 10920 | AFLAC | $45 | — | $45 | 0.04% |
| CHARLTON W DAVENPORT3 Filed as: CHARLTON DAVENPORT | 3132 EDSON AVENUE SUITE 2 BRONX, NY 10469 | AFLAC | $38 | — | $38 | 0.03% |
| MINA SHARON JAMES3 Filed as: MINA JAMES | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $32 | — | $32 | 0.03% |
| J DAVID AND ASSOCIATES INC3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $31 | — | $31 | 0.03% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $20 | — | $20 | 0.02% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $19 | — | $19 | 0.02% |
| TOMAS FLORES3 | 1265 15TH STREET APARTMENT 16G FORT LEE, NJ 07024 | AFLAC | $17 | — | $17 | 0.02% |
| MELISA SCHOFIELD3 | 932 EAST VOLK LANE MIDDLETOWN, CT 06457 | AFLAC | $15 | — | $15 | 0.01% |
| NANCY A PODHRADSKY3 Filed as: NANCY PODHRADSKY | 71 DARLING AVENUE NEW ROCHELLE, NY 10804 | AFLAC | $14 | — | $14 | 0.01% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $13 | — | $13 | 0.01% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $11 | — | $11 | 0.01% |
| STEPHEN WHITE3 | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $9 | — | $9 | 0.01% |
| WENDY CALIENDO3 | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $7 | — | $7 | 0.01% |
| GROE INC3 | 108 JACKSON STREET APARTMENT 3D HOBOKEN, NJ 07030 | AFLAC | $7 | — | $7 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVENUE SUITE N-136 WEST HARRISON, NY 10604 | AFLAC | $6 | — | $6 | 0.01% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $4 | — | $4 | 0.00% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO LLC | 100 WALL STREET FLOOR 28 NEW YORK, NY 10005 | AFLAC | $3 | — | $3 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 WEST 57TH STREET NEW YORK, NY 10019 | AFLAC | $3 | — | $3 | 0.00% |
| ROSA JONES3 | 100 FRANCIS STREET WATERBURY, CT 06708 | AFLAC | $1 | $2 | $3 | 0.00% |
| LORENA GILER LOPEZ3 | 7784 271ST STREET NEW HYDE PARK, NY 11040 | AFLAC | $2 | — | $2 | 0.00% |
| PACKES J D CORP3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $4K | $170 | $4K | 5.71% |
| AMERICAN TEL-TEK INC.3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $4K | $115 | $4K | 4.83% |
| JACK E WILSON3 Filed as: JACK WILSON | 320 LUPINE DRIVE KNOXVILLE, TN 37924 | AFLAC | $2K | $53 | $2K | 2.08% |
| RABIA EBRAHIM3 | 38101 TOWN GREEN DRIVE ELMSFORD, NY 10523 | AFLAC | $1K | $89 | $2K | 1.98% |
| JOSEPH FOXLEY3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $1K | $97 | $1K | 1.62% |
| SAFWAAN EBRAHIM3 | 38101 TOWN GREEN DRIVE ELMSFORD, NY 10523 | AFLAC | $1K | $55 | $1K | 1.45% |
| KATHLEEN BYRNE3 Filed as: KATHLEEN PERRINE | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $712 | $92 | $804 | 1.06% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $531 | — | $531 | 0.70% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $380 | — | $380 | 0.50% |
| CLINTON JOHNSON3 | 430 EAST 22ND STREET APARTMENT 3B BROOKLYN, NY 11226 | AFLAC | $312 | $16 | $328 | 0.43% |
| ALVARO MONTENEGRO3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $291 | — | $291 | 0.38% |
| TERRENCE ELLIOTT3 | 1523 TAYLOR AVENUE APARTMENT 11 BRONX, NY 10460 | AFLAC | $244 | — | $244 | 0.32% |
| PERRY E MEDINA3 Filed as: PERRY MEDINA | 30 DOROTHY DRIVE MONROE, NY 10950 | AFLAC | $214 | — | $214 | 0.28% |
| FRANCIS JOSEPH KEENOY3 Filed as: FRANCIS KEENOY | 3130 KINGSBRIDGE AVENUE APARTMENT 302A BRONX, NY 10463 | AFLAC | $173 | — | $173 | 0.23% |
| ANGELA MONTENEGRO3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $135 | — | $135 | 0.18% |
| NANCY A PODHRADSKY3 Filed as: NANCY PODHRADSKY | 71 DARLING AVENUE NEW ROCHELLE, NY 10804 | AFLAC | $98 | — | $98 | 0.13% |
| KEVIN CARTY3 | 10 DINGLEY ROAD CARMEL, NY 10512 | AFLAC | $93 | — | $93 | 0.12% |
| CHARLTON W DAVENPORT3 Filed as: CHARLTON DAVENPORT | 3132 EDSON AVENUE SUITE 2 BRONX, NY 10469 | AFLAC | $91 | — | $91 | 0.12% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $79 | $3 | $82 | 0.11% |
| BRIAN MILLER3 | 14 WALL STREET 8TH FLOOR NEW YORK, NY 10005 | AFLAC | $54 | $3 | $57 | 0.07% |
| DENNIS E FEERY3 Filed as: DENNIS FEERY | 92 NORTH AVENUE SUITE 2 NEW ROCHELLE, NY 10801 | AFLAC | $41 | — | $41 | 0.05% |
| MELISA SCHOFIELD3 | 932 EAST VOLK LANE MIDDLETOWN, CT 06457 | AFLAC | $34 | — | $34 | 0.04% |
| ROSE JONES3 | 100 FRANCIS STREET WATERBURY, CT 06708 | AFLAC | $29 | — | $29 | 0.04% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIRCLE FERNANDINA BEACH, FL 32034 | AFLAC | $28 | — | $28 | 0.04% |
| RICHARD JOSEPH3 | 34 PONDVIEW DRIVE CONGERS, NY 10920 | AFLAC | $23 | — | $23 | 0.03% |
| TOMAS FLORES3 | 1265 15TH STREET APARTMENT 16G FORT LEE, NJ 07024 | AFLAC | $17 | — | $17 | 0.02% |
| WENDY CALIENDO3 | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $15 | — | $15 | 0.02% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $11 | — | $11 | 0.01% |
| JOY A FRANCIS3 Filed as: JOY FRANCIS | 52 PLAINEDGE DRIVE BETHPAGE, NY 11714 | AFLAC | $10 | — | $10 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 WEST 57TH STREET NEW YORK, NY 10019 | AFLAC | $8 | — | $8 | 0.01% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $7 | — | $7 | 0.01% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $7 | — | $7 | 0.01% |
| LORENA GILER LOPEZ3 | 7784 271ST STREET NEW HYDE PARK, NY 11040 | AFLAC | $5 | — | $5 | 0.01% |
| STEPHEN WHITE3 | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $2 | — | $2 | 0.00% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| AMERICAN TEL-TEK INC.3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $3K | $144 | $3K | 7.07% |
| PACKES J D CORP3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $2K | $119 | $2K | 5.36% |
| CLINTON JOHNSON3 | 430 EAST 22ND STREET APARTMENT 3B BROOKLYN, NY 11226 | AFLAC | $1K | $61 | $1K | 3.28% |
| RABIA EBRAHIM3 | 38101 TOWN GREEN DRIVE ELMSFORD, NY 10523 | AFLAC | $1K | $71 | $1K | 2.96% |
| SAFWAAN EBRAHIM3 | 38101 TOWN GREEN DRIVE ELMSFORD, NY 10523 | AFLAC | $966 | $89 | $1K | 2.73% |
| JOSEPH FOXLEY3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $793 | $87 | $880 | 2.28% |
| KATHLEEN BYRNE3 Filed as: KATHLEEN PERRINE | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $522 | $87 | $609 | 1.58% |
| JACK E WILSON3 Filed as: JACK WILSON | 320 LUPINE DRIVE KNOXVILLE, TN 37924 | AFLAC | $454 | $37 | $491 | 1.27% |
| ALVARO MONTENEGRO3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $262 | $13 | $275 | 0.71% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $258 | $12 | $270 | 0.70% |
| BRIAN MILLER3 | 14 WALL STREET 8TH FLOOR NEW YORK, NY 10005 | AFLAC | $245 | $12 | $257 | 0.67% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $187 | — | $187 | 0.48% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $54 | — | $54 | 0.14% |
| DENNIS E FEERY3 Filed as: DENNIS FEERY | 92 NORTH AVENUE SUITE 2 NEW ROCHELLE, NY 10801 | AFLAC | $35 | — | $35 | 0.09% |
| PERRY E MEDINA3 Filed as: PERRY MEDINA | 30 DOROTHY DRIVE MONROE, NY 10950 | AFLAC | $30 | — | $30 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVENUE SUITE N-136 WEST HARRISON, NY 10604 | AFLAC | $30 | — | $30 | 0.08% |
| ANGELA MONTENEGRO3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $27 | — | $27 | 0.07% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $22 | — | $22 | 0.06% |
| KEVIN CARTY3 | 10 DINGLEY ROAD CARMEL, NY 10512 | AFLAC | $19 | — | $19 | 0.05% |
| SHERYL LAWSON3 | 100 CO OP CITY BOULEVARD APARTMENT 13G BRONX, NY 10475 | AFLAC | $14 | — | $14 | 0.04% |
| STEPHEN WHITE3 | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $13 | — | $13 | 0.03% |
| FRANCIS JOSEPH KEENOY3 Filed as: FRANCIS KEENOY | 3130 KINGSBRIDGE AVENUE APARTMENT 302A BRONX, NY 10463 | AFLAC | $13 | — | $13 | 0.03% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $12 | — | $12 | 0.03% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $11 | — | $11 | 0.03% |
| TIMOTHY CAVAZOS3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $11 | — | $11 | 0.03% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIRCLE FERNANDINA BEACH, FL 32034 | AFLAC | $9 | — | $9 | 0.02% |
| RICHARD JOSEPH3 | 34 PONDVIEW DRIVE CONGERS, NY 10920 | AFLAC | $8 | — | $8 | 0.02% |
| MELISA SCHOFIELD3 | 932 EAST VOLK LANE MIDDLETOWN, CT 06457 | AFLAC | $6 | — | $6 | 0.02% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $4 | — | $4 | 0.01% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $4 | — | $4 | 0.01% |
| WENDY CALIENDO3 | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $3 | — | $3 | 0.01% |
| TOMAS FLORES3 | 1265 15TH STREET APARTMENT 16G FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.00% |
| LAURENCE RAY3 | 3095 EAST PATRICK LANE SUITE 1 LAS VEGAS, NV 89120 | AFLAC | $226 | — | $226 | 2.47% |
| ESTELLE TOLSON3 | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $226 | — | $226 | 2.47% |
| JAMES D PACKES3 Filed as: JAMES PACKES | 92 NORTH AVENUE SUITE 102 NEW ROCHELLE, NY 10801 | AFLAC | $219 | — | $219 | 2.40% |
| TAMI ILLINGWORTH3 | 317 JAMIE COURT HENDERSON, NV 89074 | AFLAC | $163 | — | $163 | 1.78% |
| ERIN RADA3 | 7911 KLEINGREEN LANE SPRING, TX 77379 | AFLAC | $76 | — | $76 | 0.83% |
| MELANIE HENDERSEN3 | 6204 SILVER VEIN STREET NORTH LAS VEGAS, NV 89031 | AFLAC | $50 | — | $50 | 0.55% |
| LANCE J MILLER3 Filed as: LANCE MILLER | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | AFLAC | $41 | — | $41 | 0.45% |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $33 | — | $33 | 0.36% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE MARTINEZ | 3095 EAST PATRICK LANE SUITE 1 LAS VEGAS, NV 89120 | AFLAC | $32 | — | $32 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 1150 GUSTINE STREET CHULA VISTA, CA 91913 | AFLAC | $25 | — | $25 | 0.27% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $21 | — | $21 | 0.23% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 116 EAST MAIN STREET ROCK HILL, SC 29730 | AFLAC | $17 | — | $17 | 0.19% |
| SIMON REYES3 | 4625 POLARIS AVENUE SUITE 212 LAS VEGAS, NV 89103 | AFLAC | $14 | — | $14 | 0.15% |
| DANIEL BOUNDS3 | 2202 TEDESCA DRIVE HENDERSON, NV 89052 | AFLAC | $13 | — | $13 | 0.14% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $10 | — | $10 | 0.11% |
| MICHAEL BELL3 | 8550 WEST DESERT INN ROAD SUITE 102 LAS VEGAS, NV 89117 | AFLAC | $7 | — | $7 | 0.08% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $5 | — | $5 | 0.05% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVENUE LAS VEGAS, NV 89166 | AFLAC | $4 | — | $4 | 0.04% |
| COLLEEN LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $2 | — | $2 | 0.02% |
| TRACI HUTCHINSON3 | 2155 PAGANINI AVENUE HENDERSON, NV 89052 | AFLAC | $2 | — | $2 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $2 | — | $2 | 0.02% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $2 | — | $2 | 0.02% |
| TOMAS FLORES3 | 1054 GATEWAY BOULEVARD SUITE 107 BOYNTON BEACH, FL 33426 | AFLAC | $2 | — | $2 | 0.02% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $1 | — | $1 | 0.01% |
| RYAN GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY APARTMENT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.01% |
| DARREN RIDDLE3 | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $1 | — | $1 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | 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 | 1,299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 405 | $6.4M |
| Dental(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 416 | $473K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 416 | $240K |
| Life insurance(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,040 | $479K |
| Short-term disability(4 contracts) | AFLAC | 132 | $233K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,040 | $246K |
| Prescription drug | EMBLEMHEALTH | 405 | $6.4M |
| Other(7 contracts, 4 carriers) | EMBLEMHEALTH | 2,718 | $6.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,718 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.