| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $126K | $0 | $126K | 5.96% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE SERVICES, LLC | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 1.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEY YORK | $4K | $0 | $4K | 13.89% |
| MICHAEL WELLING3 | 22 BRANCH BROOK ROAD WHITE PLAINS, NY 10605 | AFLAC | $480 | $0 | $480 | 4.50% |
| MJ INSURANCE3 Filed as: KEVIN MCCARTHY AND VARIOUS AGENTS | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $159 | $0 | $159 | 1.49% |
| PAUL S MANNA JR3 Filed as: PAUL S. MANNA JR. | 201 WASHINGTON AVENUE PLEASANTVILLE, NY 10570 | AFLAC | $127 | $0 | $127 | 1.19% |
| LILLIAN TOMPKINS3 | 100 STONY BROOK COURT NEWBURGH, NY 12550 | AFLAC | $105 | $0 | $105 | 0.98% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $103 | $0 | $103 | 0.97% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PLACE WEST LINN, OR 97068 | AFLAC | $90 | $0 | $90 | 0.84% |
| ROCO SOLUTIONS LLC3 | 704 SEAGATE DRIVE TAMPA, FL 33602 | AFLAC | $88 | $0 | $88 | 0.82% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $2.1M |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEY YORK | 110 | $27K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $2.1M |
| Other | AFLAC | 8 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.