| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $100K | $0 | $100K | 5.51% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES LLC | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $20K | $20K | 1.10% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE 12TH FLOOR NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 6.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | $0 | $3K | 14.17% |
| MICHAEL WELLING3 | 22 BRANCH BROOK ROAD WHITE PLAINS, NY 10605 | AFLAC | $610 | $13 | $623 | 4.73% |
| ROCO SOLUTIONS LLC3 | 704 SEAGATE DRIVE TAMPA, FL 33602 | AFLAC | $232 | $0 | $232 | 1.76% |
| PAUL S MANNA JR3 Filed as: PAUL S. MANNA, JR. | 201 WASHINGTON AVENUE PLEASANTVILLE, NY 10570 | AFLAC | $161 | $33 | $194 | 1.47% |
| MCINERNEY GROUP LLC3 Filed as: MCINERNEY GROUP, LLC | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $133 | $10 | $143 | 1.09% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PLACE WEST LINN, OR 97068 | AFLAC | $115 | $0 | $115 | 0.87% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTON, RI 02852 | AFLAC | $58 | $0 | $58 | 0.44% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVENUE BEECHHURST, NY 11357 | AFLAC | $46 | $0 | $46 | 0.35% |
| SANDRA ELLEN ALBANESE3 | 5401 HARMONY GREEN DRIVE UNIT 101 LAS VEGAS, NV 89149 | AFLAC | $32 | $0 | $32 | 0.24% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NY 10950 | AFLAC | $21 | $0 | $21 | 0.16% |
| RABIA EBRAHIM3 | 38 KATHWOOD ROAD WHITE PLAINS, NY 10607 | AFLAC | $15 | $0 | $15 | 0.11% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS ROAD LAKE OSWEGO, OR 97035 | AFLAC | $13 | $0 | $13 | 0.10% |
| MELISA SCHOFIELD3 | 910 W. KATHLEEN ROAD PHOENIX, AZ 85023 | AFLAC | $9 | $0 | $9 | 0.07% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 2030 HUDSON STREET APT. 942 FORT LEE, NJ 07424 | AFLAC | $3 | $0 | $3 | 0.02% |
| WENDY CALIENDO3 Filed as: WENDY M. CALIENDO | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $160K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $160K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 104 | $18K |
| Other | AFLAC | 15 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.