| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | AFLAC | $12K | — | $12K | 5.60% |
| MATTHEW CERULLA3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $9K | $1K | $11K | 4.90% |
| ENIDA MICI3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $8K | $345 | $8K | 3.68% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $3K | $326 | $3K | 1.56% |
| MJ INSURANCE3 Filed as: STEPHEN WHITE AND VARIOUS AGENTS | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $2K | — | $2K | 0.88% |
| LORENA GILER LOPEZ3 | 7784 271ST ST NEW HYDE PARK, NY 11040 | AFLAC | $787 | $105 | $892 | 0.40% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $689 | — | $689 | 0.31% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | AFLAC | $9K | — | $9K | 5.75% |
| MATTHEW CERULLA3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $6K | $923 | $7K | 4.54% |
| ENIDA MICI3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $5K | $287 | $6K | 3.50% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $2K | $244 | $3K | 1.63% |
| LORENA GILER LOPEZ3 | 7784 271ST ST NEW HYDE PARK, NY 11040 | AFLAC | $966 | $166 | $1K | 0.70% |
| MJ INSURANCE3 Filed as: STEPHEN WHITE AND VARIOUS AGENTS | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $1K | — | $1K | 0.65% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $469 | — | $469 | 0.29% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | AFLAC | $2K | — | $2K | 5.18% |
| MATTHEW CERULLA3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $2K | $383 | $2K | 4.36% |
| ENIDA MICI3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $2K | $67 | $2K | 3.57% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $649 | $67 | $716 | 1.49% |
| LINDA ANGEL3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $426 | — | $426 | 0.89% |
| MJ INSURANCE3 Filed as: STEPHEN WHITE AND VARIOUS AGENTS | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $340 | $52 | $392 | 0.82% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $129 | — | $129 | 0.27% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | AFLAC | $1K | — | $1K | 3.93% |
| MATTHEW CERULLA3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $995 | $182 | $1K | 3.56% |
| ENIDA MICI3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $1K | $40 | $1K | 3.39% |
| MJ INSURANCE3 Filed as: STEPHEN WHITE AND VARIOUS AGENTS | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $356 | — | $356 | 1.08% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $264 | $40 | $304 | 0.92% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $154 | — | $154 | 0.47% |
| LAWRENCE CURCIO3 | 6 DRAKE AVE BELLPORT, NY 11713 | AFLAC | $116 | — | $116 | 0.35% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | AFLAC | $1K | — | $1K | 4.32% |
| MATTHEW CERULLA3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $658 | $150 | $808 | 3.46% |
| ENIDA MICI3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $731 | $29 | $760 | 3.25% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $239 | $29 | $268 | 1.15% |
| MJ INSURANCE3 Filed as: STEPHEN WHITE AND VARIOUS AGENTS | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $184 | — | $184 | 0.79% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $80 | — | $80 | 0.34% |
| LINDA ANGEL3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $63 | — | $63 | 0.27% |
| ENIDA MICI3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $151 | — | $151 | 5.53% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | AFLAC | $73 | — | $73 | 2.67% |
| MATTHEW CERULLA3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $56 | — | $56 | 2.05% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $24 | — | $24 | 0.88% |
| STEPHEN WHITE3 | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $24 | — | $24 | 0.88% |
| KENNETH MEIER3 | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $10 | — | $10 | 0.37% |
| MJ INSURANCE3 Filed as: BRIAN WHITE AND VARIOUS AGENTS | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $4 | — | $4 | 0.15% |
| MATTHEW CERULLA3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $404 | — | $404 | 40.60% |
| ENIDA MICI3 | 353 E 82ND ST APT 9 NEW YORK, NY 10028 | AFLAC | $93 | — | $93 | 9.35% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $61 | — | $61 | 6.13% |
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 | 963 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(7 contracts) | AFLAC | 139 | $491K |
| Other(7 contracts) | AFLAC | 139 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.