| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH 4TH FLOOR ISELIN, NJ 08830 | ANTHEM BLUE CROSS | $94K | — | $94K | 3.38% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS | — | $38K | $38K | 1.34% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 3.54% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS AND BLUE SHIELD | — | $2K | $2K | 4.96% |
| WORLD INSURANCE ASSOCIATES LLC3 | LB#1803 PO BOX 95000 PHILADELPHIA, PA 19195 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 9.05% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING, A DIVISION | LB#1803 PO BOX 95000 PHILADELPHIA, PA 19195 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $481 | — | $481 | 2.79% |
| ENROLLEASE3 Filed as: ANDREW J CLARKE | 74-76 MONROE STREET APARTMENT 4 HOBOKEN, NJ 07030 | AFLAC | $3K | — | $3K | 26.65% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $864 | — | $864 | 7.00% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $546 | — | $546 | 4.42% |
| JANELLE MARIE GADOMSKI3 | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $185 | — | $185 | 3.75% |
| ENROLLEASE3 Filed as: ANDREW J CLARKE | 74-76 MONROE STREET APARTMENT 4 HOBOKEN, NJ 07030 | AFLAC | $115 | — | $115 | 2.33% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $73 | — | $73 | 1.48% |
| ILANA A IZSAK3 | 11120 73RD AVENUE APARTMENT 9H FOREST HILLS, NY 11375 | AFLAC | $7 | — | $7 | 0.14% |
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 | 175 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 152 | $2.8M |
| Dental | ANTHEM BLUE CROSS | 152 | $2.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 246 | $17K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 193 | $145K |
| Short-term disability(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 193 | $163K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 193 | $145K |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 193 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.