| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY | $97K | $6K | $103K | 6.65% |
| ALLIANT INSURANCE SERVICES, INC.3 | 60 CROSSWAYS PARK DRIVE WEST SUITE 305 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $551 | $2K | 8.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 13.95% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $951 | $951 | 5.00% |
| MICHAEL WELLING3 | 22 BRANCH BROOK ROAD WHITE PLAINS, NY 10605 | AFLAC | $1K | $15 | $1K | 7.10% |
| ROCO SOLUTIONS LLC3 | PO BOX 907 BEACON, NY 12508 | AFLAC | $386 | $0 | $386 | 2.46% |
| PHILIP O'SULLIVAN3 | 58 CAPTAIN SHANKEY DRIVE GARNERVILLE, NY 10923 | AFLAC | $279 | $20 | $299 | 1.90% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS ROAD SUITE 320 LAKE OSWEGO, OR 97035 | AFLAC | $91 | $10 | $101 | 0.64% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $96 | $0 | $96 | 0.61% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTON, RI 02852 | AFLAC | $91 | $0 | $91 | 0.58% |
| IAN MICHAEL MORAN3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $91 | $0 | $91 | 0.58% |
| MCINERNEY GROUP LLC3 Filed as: MCINERNEY GROUP, LLC | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $80 | $10 | $90 | 0.57% |
| DYLAN HENNESSEY3 | 94 JOYCE ROAD EASTCHESTER, NY 10709 | AFLAC | $65 | $2 | $67 | 0.43% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $59 | $0 | $59 | 0.38% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $57 | $0 | $57 | 0.36% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $49 | $0 | $49 | 0.31% |
| PAUL S MANNA JR3 Filed as: PAUL S. MANNA, JR. | 201 WASHINGTON AVENUE PLEASANTVILLE, NY 10570 | AFLAC | $33 | $0 | $33 | 0.21% |
| SANDRA ELLEN ALBANESE3 | 20 ARLINGTON RD SCARSDALE, NY 10583 | AFLAC | $32 | $0 | $32 | 0.20% |
| MELISA SCHOFIELD3 | 11620 N 39TH STREET PHEONIX, AZ 85028 | AFLAC | $17 | $0 | $17 | 0.11% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NY 10950 | AFLAC | $14 | $0 | $14 | 0.09% |
| RABIA EBRAHIM3 | 38101 TOWN GREEN DRIVE ELMSFORD, NY 10523 | AFLAC | $11 | $0 | $11 | 0.07% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 1265 15TH STREET APT 16G FORT LEE, NJ 07024 | AFLAC | $4 | $0 | $4 | 0.03% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $3 | $0 | $3 | 0.02% |
| MELISA SCHOFIELD3 | 932 EAST VOLK LANE MIDDLETOWN, CT 06457 | AFLAC | $2 | $0 | $2 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 60 CROSSWAYS PARK DRIVE WEST SUITE 305 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $959 | $258 | $1K | 12.69% |
| NEW YORK RHB, LLC3 | 120 BROADWAY 37TH FLOOR NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 0.20% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 213 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 213 | $1.6M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $10K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $28K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 108 | $19K |
| Other | AFLAC | 21 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.