| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEXANDER SHAPSES3 | 9 WILDWOOD COURT LOCUST VALLEY, NY 11560 | AETNA LIFE INSURANCE CO. | $49K | $0 | $49K | 58.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS. | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $42K | $0 | $42K | 49.87% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SVCS, INC. | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 5.18% |
| BENEFITMALL3 Filed as: BENEFITMALL HOLDING, INC. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $15 | $4K | 9.05% |
| ALEXANDER SHAPSES3 | 9 WILDWOOD COURT LOCUST VALLEY, NY 11560 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $111 | $111 | 0.26% |
| ABRAHAM BASH3 | 148 SOUTH FRONT STREET APARTMENT 321 FARMINGDALE, NY 11735 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $3K | $187 | $3K | 9.07% |
| DONALD ERIC HOYER3 Filed as: DONALD HOYER | 44 REYNOLDS DRIVE LIDO BEACH, NY 11561 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 4.01% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $438 | $44 | $482 | 1.54% |
| JAMES ROBERT CONFORT3 Filed as: JAMES CONFORT | 3 SUNSET LANE GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $342 | $44 | $386 | 1.23% |
| MASSIMO & ASSOCIATES INC3 Filed as: MASSIMO MURDOCCA JR AND OTHER AGENT | 1400 MUSTANG STREET NOKOMIS, FL 34275 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $349 | $0 | $349 | 1.11% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $276 | $0 | $276 | 0.88% |
| SHAUN T KONIOR3 Filed as: SHAUN KONIOR | 100 NW 62ND STREET, SUITE 1020 FT. LAUDERDALE, FL 33309 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $244 | $0 | $244 | 0.78% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 275 | $84K |
| Vision | AETNA LIFE INSURANCE CO. | 275 | $84K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $43K |
| Short-term disability | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | 24 | $31K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.