| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 12.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $34K | $34K | 8.16% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUISNESS GROUP LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 7.61% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $6K | $238 | $6K | 5.20% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NE 11375 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $4K | — | $4K | 3.73% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $824 | — | $824 | 0.72% |
| RICHARD WHELAND3 | 1462 SEQUOIA CIRCLE TOMS RIVER, NJ 08753 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $568 | $14 | $582 | 0.51% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $507 | — | $507 | 0.44% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET 11C NEW YORK, NY 10038 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $448 | — | $448 | 0.39% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $324 | — | $324 | 0.28% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $305 | — | $305 | 0.27% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $240 | — | $240 | 0.21% |
| WILLIAM O'CONNELL3 Filed as: WILLIAM J OCONNELL | 98 LOIS LANE MONROE, NY 10950 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $220 | — | $220 | 0.19% |
| RONALD J MOGG JR3 | 184 OLD MANARNECK ROAD WHITE PLAINS, NY 10605 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $216 | — | $216 | 0.19% |
| ANDBEE CORP3 | PO BOX 84 SOUTHFIELDS, NY 10975 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $208 | — | $208 | 0.18% |
| JASON D HARTMAN3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $162 | — | $162 | 0.14% |
| KENNETH R MEIER3 | 103 EDISON STREET CLIFTON, NJ 07013 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $155 | — | $155 | 0.13% |
| RUSSELL T BARRETT3 | 145 NORTH FRANKLIN TURNPIKE SUITE 118 RAMSEY, NJ 07446 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $140 | — | $140 | 0.12% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $126 | — | $126 | 0.11% |
| TIMOTHY CAVAZOS3 | 30 LENOX ROAD APARTMENT 2D ROCKVILLE CENTRE, NY 17570 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $66 | $26 | $92 | 0.08% |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $77 | — | $77 | 0.07% |
| SHARON L SPARKES-RENAUD3 | 75 CARNEY DRIVE CARNEYS POINT, NJ 08089 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $75 | — | $75 | 0.07% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $64 | — | $64 | 0.06% |
| VARIOUS - SEE ATTACHED3 Filed as: MICHAEL'S CHILLE AFLAC NY | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $45 | — | $45 | 0.04% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $42 | — | $42 | 0.04% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PLACE SICKERVILLE, NJ 08061 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $40 | — | $40 | 0.03% |
| RICHARD P MULLEN3 | 929 TEANECK ROAD APARTMENT 1C TEANECK, NJ 07666 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $35 | — | $35 | 0.03% |
| JILL LISA RAPPAPORT3 | 1398 22ND STREET BROOKLYN, NY 11232 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $26 | — | $26 | 0.02% |
| MICHAEL BUTTERFIELD3 | 3120 FIRE ROAD SUITE B102 EGG HARBOR TOWNSHIP, NJ 08234 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $19 | — | $19 | 0.02% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $15 | — | $15 | 0.01% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $14 | — | $14 | 0.01% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $11 | — | $11 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08864 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $9 | — | $9 | 0.01% |
| ROBERT TABAN DONATO3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $7 | — | $7 | 0.01% |
| ROBERT TABAN DONATO3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $7 | — | $7 | 0.01% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 1 SEAPORT PLAZA 23RD FLOOR NEW YORK, NY 10038 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $4 | — | $4 | 0.00% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MELISSA A SCHOFIELD3 | 34 WATCH HILL DRIVE MIDDLETOWN, CT 06457 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $2 | — | $2 | 0.00% |
| AMY K FOY3 | 804 MCCOY ROAD FRANKLIN LAKES, NJ 07417 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MATTHEW T OLSON3 | 8 LAKESIDE DRIVE CENTERPORT, NY 11721 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 7.18% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 3.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $1K | $3K | 9.93% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS, LLC | 354 EISENHOWER PARKWAY #1 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.56% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $102K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $26K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN FAMILY LIFE ASSURANCE COMPANY | 113 | $141K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $413K |
| Other(2 contracts, 2 carriers) | AMERICAN FAMILY LIFE ASSURANCE COMPANY | 113 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.