| 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 | $105K | $559 | $105K | 6.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 60 CROSSWAYS PARK DRIVE WEST SUITE 305 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $421 | $2K | 5.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | $329 | $3K | 15.20% |
| 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 | $165 | $165 | 0.80% |
| MICHAEL WELLING3 | 22 BRANCH BROOK ROAD WHITE PLAINS, NY 10605 | AFLAC | $1K | $15 | $1K | 6.99% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS ROAD SUITE 320 LAKE OSWEGO, OR 97035 | AFLAC | $274 | $10 | $284 | 1.79% |
| ROCO SOLUTIONS LLC3 | PO BOX 907 BEACON, NY 12508 | AFLAC | $181 | $0 | $181 | 1.14% |
| ROCO SOLUTIONS LLC3 | 100 STONY BROOK CT #2 NEWBURGH, NY 12550 | AFLAC | $176 | $0 | $176 | 1.11% |
| MCINERNEY GROUP LLC3 Filed as: MCINERNEY GROUP, LLC | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $125 | $10 | $135 | 0.85% |
| IAN MICHAEL MORAN3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $91 | $0 | $91 | 0.57% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTON, RI 02852 | AFLAC | $90 | $0 | $90 | 0.57% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $89 | $0 | $89 | 0.56% |
| DYLAN HENNESSEY3 | 94 JOYCE ROAD EASTCHESTER, NY 10709 | AFLAC | $65 | $2 | $67 | 0.42% |
| PHILIP O'SULLIVAN3 | 58 CAPTAIN SHANKEY DRIVE GARNERVILLE, NY 10923 | AFLAC | $43 | $20 | $63 | 0.40% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $55 | $0 | $55 | 0.35% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NY 10950 | AFLAC | $43 | $0 | $43 | 0.27% |
| 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% |
| RABIA EBRAHIM3 | 38 KATHWOOD RD WHITE PLAINS, NY 10607 | AFLAC | $29 | $0 | $29 | 0.18% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $17 | $0 | $17 | 0.11% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $8 | $0 | $8 | 0.05% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $7 | $0 | $7 | 0.04% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 1265 15TH STREET APT 16G FORT LEE, NJ 07024 | AFLAC | $4 | $0 | $4 | 0.03% |
| RABIA EBRAHIM3 | 38101 TOWN GREEN DRIVE ELMSFORD, NY 10523 | AFLAC | $3 | $0 | $3 | 0.02% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | 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 | $925 | $144 | $1K | 11.56% |
| NEW YORK RHB, LLC3 | 120 BROADWAY 37TH FLOOR NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 0.21% |
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 | 121 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 233 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 233 | $1.7M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $9K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $39K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 108 | $21K |
| Other | AFLAC | 22 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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 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.