| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY R COLEMAN3 Filed as: MARY R. COLEMAN | 44 RIDGE ROAD RENSSELAER, NY 12144 | AFLAC | $578 | $0 | $578 | 5.92% |
| DANA E ERO3 Filed as: DANA E. ERO | 5 PINE WEST PLAZA SUITE 503 ALBANY, NY 12205 | AFLAC | $469 | $0 | $469 | 4.80% |
| BETH SERFILIPPI3 | 8 HILLSTONE COURT BALLSTON LAKE, NY 12019 | AFLAC | $203 | $0 | $203 | 2.08% |
| MJ INSURANCE3 Filed as: DEBORAH TALLMAN AND VARIOUS AGENTS | 5540 REACH DRIVE RALEIGH, NC 27616 | AFLAC | $134 | $0 | $134 | 1.37% |
| KRISTA ANNE ROTONDI3 | 5 HEMPHILL PLACE, SUITE 220 BALLSTON SPA, NY 12020 | AFLAC | $127 | $0 | $127 | 1.30% |
| DARRYL J YOUNG3 Filed as: DARRYL J. YOUNG | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $92 | $0 | $92 | 0.94% |
| SUSAN M TODD-BEDELL3 Filed as: SUSAN M. TODD-BEDELL | 249 NORTH BALLSTON AVENUE SCOTIA, NY 12302 | AFLAC | $63 | $0 | $63 | 0.64% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | PO BOX 542 NEW HARTFORD, NY 13413 | HM LIFE INSURANCE COMPANY | $320 | $0 | $320 | 10.00% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP SELECT CARE | 162 | $41K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $0 |
| Vision | HM LIFE INSURANCE COMPANY | 72 | $3K |
| Prescription drug | MVP SELECT CARE | 162 | $41K |
| Other(2 contracts, 2 carriers) | AFLAC | 162 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.