| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC - PA | 575 E. SWEDESFORD RD STE 200 WAYNE, PA 19087 | EXCELLUS BLUE CROSS BLUE SHIELD | $10K | $0 | $10K | 30.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES PA | 751 ARBOR WAY STE 250 BLUE BELL, PA 19422 | EXCELLUS BLUE CROSS BLUE SHIELD | $4K | $0 | $4K | 10.90% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $276 | $0 | $276 | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 WIGHT AVE STE 300 PHILADELPHIA, PA 19102 | AFLAC | $110 | $0 | $110 | 4.27% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 3303 LIBERTY LN WALL TOWNSHIP, NJ 07719 | AFLAC | $37 | $0 | $37 | 1.44% |
| THOMAS BRZEZINSKI3 Filed as: THOMAS BREZEZINSKI | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $36 | $0 | $36 | 1.40% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $29 | $0 | $29 | 1.13% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J HAYS | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $15 | $0 | $15 | 0.58% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $15 | $0 | $15 | 0.58% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $7 | $0 | $7 | 0.27% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $5 | $0 | $5 | 0.19% |
| JOHN E JOHNSON3 | 2182 GORDON PATH THE VILLAGES, FL 32163 | AFLAC | $4 | $0 | $4 | 0.16% |
| LESLEY J BALIN3 | 8 HUMPHREY RD MORRISTOWN, NJ 07960 | AFLAC | $4 | $0 | $4 | 0.16% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $3 | $0 | $3 | 0.12% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $3 | $0 | $3 | 0.12% |
| JOSEPH G GRABLICK3 | 775 PLANTATION DR UNIT 39 LITTLE RIVER, SC 29566 | AFLAC | $2 | $0 | $2 | 0.08% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $2 | $0 | $2 | 0.08% |
| DAVID WEINGARTNER3 | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $1 | $0 | $1 | 0.04% |
| FRED A REEDER3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $1 | $0 | $1 | 0.04% |
| JEFFREY R DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $1 | $0 | $1 | 0.04% |
| JOSHUA P SAUNDERS3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $1 | $0 | $1 | 0.04% |
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQUARE E PHILADELPHIA, PA 19107 | AFLAC | $36 | $0 | $36 | 2.38% |
| THOMAS BRZEZINSKI3 Filed as: THOMAS BREZEZINSKI | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $21 | $0 | $21 | 1.39% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J HAYS | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $18 | $0 | $18 | 1.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AGENCY LLC | 1185 AVENUE OF THE AMERICAS FL 20 NEW YORK, NY 10036 | AFLAC | $18 | $0 | $18 | 1.19% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA M D AGOSTINO | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $12 | $0 | $12 | 0.79% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $12 | $0 | $12 | 0.79% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 30 PARSLER PL FORDS, NJ 08863 | AFLAC | $10 | $0 | $10 | 0.66% |
| LESLEY J BALIN3 | 3 HUMPHREY RD MORRISTOWN, NJ 07960 | AFLAC | $10 | $0 | $10 | 0.66% |
| JOSHUA P SAUNDERS3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $8 | $0 | $8 | 0.53% |
| THOMAS R PAQUIN3 | 1260 VESTAL AVE BINGHAMTON, NY 13903 | AFLAC | $6 | $0 | $6 | 0.40% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $4 | $0 | $4 | 0.26% |
| DAVID WEINGARTNER3 Filed as: DAVID M WEINGARTNER | 15 DAVID DR JOHNSON CITY, NY 13790 | AFLAC | $3 | $0 | $3 | 0.20% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $3 | $0 | $3 | 0.20% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $2 | $0 | $2 | 0.13% |
| TERRANCE P MCCANN3 | 4131 WATSON CT PIGEON FORGE, TN 37863 | AFLAC | $2 | $0 | $2 | 0.13% |
| HAYS COMPANIES, INC.3 Filed as: JOAN H HAYS | 5 HILLSIDE AVE BINGHAMTON, NY 13903 | AFLAC | $2 | $0 | $2 | 0.13% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $1 | $0 | $1 | 0.07% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $1 | $0 | $1 | 0.07% |
| FRED R HAACKER3 | 147 JORDAN BLVD DELMAR, NY 12054 | AFLAC | $1 | $0 | $1 | 0.07% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $1 | $0 | $1 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 ADMIN | Claims processing Service code 12 | — | $17K |
| CAPRX ADMIN | Claims processing Service code 12 | 228 PARK AVE S STE 87234 NEW YORK, NY 10003 | $3K |
| DELTA DENTAL OF NEW YORK EIN 11-1980218 ADMIN | Claims processing; Plan Administrator; Direct payment from the plan Service code 12 | — | $0 |
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 | 741 | 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) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 276 | $2K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 444 | $7K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 444 | $7K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 279 | $33K |
| Other(5 contracts, 4 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 444 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.