| 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 | $114K | $596 | $115K | 6.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | $0 | $54K | 7.20% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES LLC | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 1.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 7.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 60 CROSSWAYS PARK DRIVE WEST WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 6.84% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $349 | $3K | 15.96% |
| MICHAEL WELLING3 | 22 BRANCH BROOK ROAD WHITE PLAINS, NY 10605 | AFLAC | $743 | $13 | $756 | 6.02% |
| PAUL S MANNA JR3 Filed as: PAUL S. MANNA, JR. | 201 WASHINGTON AVENUE PLEASANTVILLE, NY 10570 | AFLAC | $362 | $33 | $395 | 3.14% |
| ROCO SOLUTIONS LLC3 | 100 STONY BROOK CT NEWBURGH, NY 12550 | AFLAC | $256 | $0 | $256 | 2.04% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS ROAD LAKE OSWEGO, OR 97035 | AFLAC | $128 | $0 | $128 | 1.02% |
| MCINERNEY GROUP LLC3 Filed as: MCINERNEY GROUP, LLC | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $107 | $10 | $117 | 0.93% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTON, RI 02852 | AFLAC | $64 | $0 | $64 | 0.51% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS ROAD TARRYTOWN, NY 10591 | AFLAC | $62 | $0 | $62 | 0.49% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVENUE BEECHHURST, NY 11357 | AFLAC | $50 | $0 | $50 | 0.40% |
| SANDRA ELLEN ALBANESE3 | 20 ARLINGTON RD SCARSDALE, NY 10583 | AFLAC | $32 | $0 | $32 | 0.25% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NY 10950 | AFLAC | $24 | $0 | $24 | 0.19% |
| RABIA EBRAHIM3 | 38 KATHWOOD ROAD WHITE PLAINS, NY 10607 | AFLAC | $15 | $0 | $15 | 0.12% |
| MELISA SCHOFIELD3 | 910 W. KATHLEEN ROAD PHOENIX, AZ 85023 | AFLAC | $10 | $0 | $10 | 0.08% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 2030 HUDSON STREET APT. 942 FORT LEE, NJ 07424 | AFLAC | $4 | $0 | $4 | 0.03% |
| WENDY CALIENDO3 Filed as: WENDY M. CALIENDO | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $1 | $0 | $1 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $784 | $0 | $784 | 10.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 60 CROSSWAYS PARK DRIVE WEST WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $567 | $277 | $844 | 14.25% |
| NEW YORK RHB, LLC3 | 120 BROADWAY NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | $0 | $11 | 0.19% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 250 | $2.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 250 | $2.0M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $80K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $35K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 106 | $25K |
| Other | AFLAC | 16 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.