| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK KOHEN3 | 45 RUGBY ROAD ROSLYN HEIGHTS, NY 11577 | AFLAC | $6K | $115 | $6K | 7.71% |
| STEPHEN WHITE3 | 214 25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $5K | $85 | $5K | 6.40% |
| ENIDA MICI3 Filed as: ENIDA MINCI | 353 EAST 82ND STREET APT 9 NEW YORK, NY 10028 | AFLAC | $1K | $3 | $1K | 1.47% |
| RICHARD PETERSON3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $755 | $3 | $758 | 0.98% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $667 | $31 | $698 | 0.90% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $655 | $34 | $689 | 0.89% |
| SUMITOME LIFE INS AGENCY AMERICA3 | 565 FIFTH AVENUE 5TH FLOOR NEW YORK, NY 10017 | AFLAC | $212 | — | $212 | 0.27% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $162 | — | $162 | 0.21% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $119 | — | $119 | 0.15% |
| ALY H ABAZA3 | 79 VINEYARD LANE GREENWICH, CT 06831 | AFLAC | $97 | — | $97 | 0.13% |
| JOSEPH M GONZALEZ3 | 1502 RICHMOND AVENUE 2ND FLOOR STATEN ISLAND, NY 10314 | AFLAC | $66 | — | $66 | 0.09% |
| CIRO ABRIL3 | 18 BRACKEN COURT HOWELL, NJ 07731 | AFLAC | $48 | — | $48 | 0.06% |
| ASO BROKERAGE SERVICES, INC3 Filed as: ASO BROKERAGE SERVICES INC. | 303 MERRICK ROAD SUITE 300 LYNBROOK, NY 11563 | AFLAC | $35 | — | $35 | 0.05% |
| ARACELIE RIVERA3 | 8 KNOLL TOP ROAD ELMSFORD, NY 10523 | AFLAC | $34 | — | $34 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G GALLAGHER | 173 GELSTON AVENUE APT 3D BROOKLYN, NY 11209 | AFLAC | $18 | — | $18 | 0.02% |
| MICHAEL A BOOK3 Filed as: MICHAEL J MARGOLIS | 118 EAST 28TH STREET SUITE 805 NEW YORK, NY 10016 | AFLAC | $16 | — | $16 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 320 WEST 57TH STREET 3RD FLOOR NEW YORK, NY 10019 | AFLAC | $11 | — | $11 | 0.01% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVID CORP | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $11 | — | $11 | 0.01% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $8 | — | $8 | 0.01% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $8 | — | $8 | 0.01% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WICHER | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $8 | — | $8 | 0.01% |
| J G DENIVO CORP3 Filed as: JG DENIVO CORP | 214-25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $3 | — | $3 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS SUITE 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 24.99% |
| PATRICIA GAIL LEES3 | 6055 E WASHINGTON BOULEVARD SUITE 570 COMMERCE, CA 90040 | AFLAC | — | — | $0 | — |
| PATRICIA GAIL LEES3 | 6055 E WASHINGTON BOULEVARD SUITE 590 COMMERCE, CA 90040 | AFLAC | — | — | $0 | — |
| GEORGIANNA STOUT3 | 150 HARBOR DRIVE UNIT 370 SAUSALITO, CA 94966 | AFLAC | — | — | $0 | — |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FT LAUDERDALE, FL 33308 | AFLAC | — | — | $0 | — |
| RAVONE MARVELLE GRAHAM3 | 4621 BRIARHILL DRIVE YORBA LINDA, CA 92886 | AFLAC | — | — | $0 | — |
| BARRY MCPHERSON INC3 Filed as: BARRY MCPHERSON INC. | 1922 E DEERE AVENUE SUITE 240 SANTA ANA, CA 92705 | AFLAC | — | — | $0 | — |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BOULEVARD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | — | — | $0 | — |
| RONALD S TANOUS3 | 1124 CHURCHS STREET BURBANK, CA 91501 | AFLAC | — | — | $0 | — |
| STEVE D SERVI3 | PO BOX 5022 POMPANO BEACH, FL 33074 | AFLAC | — | — | $0 | — |
| LONNIE CYNTHIA SHEINART3 | 12108 IVY PLACE LOS ANGELES, CA 90064 | AFLAC | — | — | $0 | — |
| LINDA M NAPOLI3 Filed as: LINDA NAPOLI | 1443 E WASHINGTON BOULEVARD 128 PASADENA, CA 91104 | AFLAC | — | — | $0 | — |
| ROBERT J. PHILIBOSIAN3 Filed as: ROBERT J PHILIBOSIAN | 3107 BIANCA CIRCLE SIMI VALLEY, CA 93063 | AFLAC | — | — | $0 | — |
| KAREN M HUGHES3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | — | — | $0 | — |
| STEVE D SERVI3 | 3869 NE 22ND WAY LIGHTHOUSE POINT, FL 33064 | AFLAC | — | — | $0 | — |
| AUBREY W THOMAS3 | 32627 THE OLD ROAD CASTAIC, CA 91384 | AFLAC | — | — | $0 | — |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | — | — | $0 | — |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSENINS SERVICES INC. | 193 BLUE RAVINE ROAD FOLSOM, CA 95630 | AFLAC | — | — | $0 | — |
| TODD V MASON3 | 6164 LAWRENCE STREET CYPRESS, CA 90630 | AFLAC | — | — | $0 | — |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | — | — | $0 | — |
| MARSHALL CHARLES MCDONALD3 | 905 LAKE PARK DRIVE APT 206 DAVIDSON, NC 28036 | AFLAC | — | — | $0 | — |
| MARSHALL CHARLES MCDONALD3 | 1990 N ALTADENA DRIVE PASADENA, CA 91107 | AFLAC | — | — | $0 | — |
| ZORN BENEFITS GROUP LLC3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | — | — | $0 | — |
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 | 1,440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,440 | $562K |
| Short-term disability(4 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,440 | $689K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,440 | $562K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,052 | $1.3M |
| Other(4 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,440 | $644K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,052 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.