| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | OXFORD HEALTH INSURANCE, INC | $56K | $6K | $62K | 3.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 354 EISENHOWER PARKWAY SUIE 2850 LIVINGSTON, NJ 07039 | OXFORD HEALTH INSURANCE, INC | — | $20K | $20K | 1.09% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $9K | $395 | $9K | 6.35% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NE 11375 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $6K | $287 | $7K | 4.65% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $1K | $268 | $1K | 1.06% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $1K | — | $1K | 0.74% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $710 | $138 | $848 | 0.60% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $610 | — | $610 | 0.43% |
| RICHARD WHELAND3 | 1462 SEQUOIA CIRCLE TOMS RIVER, NJ 08753 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $446 | — | $446 | 0.32% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $305 | — | $305 | 0.22% |
| RONALD J MOGG JR3 | 184 OLD MANARNECK ROAD WHITE PLAINS, NY 10605 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $301 | — | $301 | 0.21% |
| ANDBEE CORP3 | PO BOX 84 SOUTHFIELDS, NY 10975 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $266 | — | $266 | 0.19% |
| WILLIAM O'CONNELL3 Filed as: WILLIAM J OCONNELL | 98 LOIS LANE MONROE, NY 10950 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $260 | — | $260 | 0.18% |
| TIMOTHY CAVAZOS3 | 3 BRADLEY COURT #1S MINEOLA, NY 11501 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $245 | $9 | $254 | 0.18% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $231 | — | $231 | 0.16% |
| KENNETH R MEIER3 | 103 EDISON STREET CLIFTON, NJ 07013 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $231 | — | $231 | 0.16% |
| JASON D HARTMAN3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $192 | — | $192 | 0.14% |
| RUSSELL T BARRETT3 | 145 NORTH FRANKLIN TURNPIKE SUITE 118 RAMSEY, NJ 07446 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $166 | — | $166 | 0.12% |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $90 | — | $90 | 0.06% |
| JILL LISA RAPPAPORT3 | 139B 22ND STREET BROOKLYN, NY 11232 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $43 | $11 | $54 | 0.04% |
| VARIOUS - SEE ATTACHED3 Filed as: MICHAEL'S CHILLE AFLAC NY | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $53 | — | $53 | 0.04% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $50 | — | $50 | 0.04% |
| RICHARD P MULLEN3 | 929 TEANECK ROAD APARTMENT 1C TEANECK, NJ 07666 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $24 | — | $24 | 0.02% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $12 | — | $12 | 0.01% |
| ROBERT TABAN DONATO3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MATTHEW T OLSON3 | 8 LAKESIDE DRIVE CENTERPORT, NY 11721 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOHN M CAPASSO3 | 226 VALLEY COURT HAWORTH, NJ 07641 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY #1 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 4.95% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 377 | $1.9M |
| Dental(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 377 | $2.0M |
| Vision | OXFORD HEALTH INSURANCE, INC | 377 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN FAMILY LIFE ASSURANCE COMPANY | 242 | $254K |
| Other(2 contracts, 2 carriers) | AMERICAN FAMILY LIFE ASSURANCE COMPANY | 242 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.