| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | — | $60K | 3.81% |
| MARTIN FINANCIAL GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F CRANBURY, NM 08512 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 1.22% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 131 EAST 39TH STREET APARTMENT 3 NEW YORK, NY 10016 | AFLAC | $4K | — | $4K | 3.55% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $3K | — | $3K | 2.92% |
| DENNIS T. FENNELL3 Filed as: DENNIS T FENNELL | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $2K | — | $2K | 1.87% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | $8 | $1K | 0.99% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $476 | — | $476 | 0.41% |
| JASON SALLEMI3 | 302 MONROE STREET APARTMENT 4B HOBOKEN, NJ 07030 | AFLAC | $426 | — | $426 | 0.37% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $401 | — | $401 | 0.35% |
| WILLIAM O'CONNELL3 Filed as: WILLIAM J O'CONNELL | 98 LOIS LANE MONROE, NY 10950 | AFLAC | $240 | — | $240 | 0.21% |
| RICHARD WHELAN3 | 3887 NORTHWEST 52ND STREET BOCA RATON, FL 33496 | AFLAC | $196 | — | $196 | 0.17% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $137 | $47 | $184 | 0.16% |
| ANDBEE CORP3 | 439 GENESEE COURT SUFFERN, NY 10901 | AFLAC | $174 | — | $174 | 0.15% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $171 | — | $171 | 0.15% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $153 | — | $153 | 0.13% |
| KENNEITH R MEIER3 | 103 EDISON STREET CLIFTON, NJ 07013 | AFLAC | $135 | — | $135 | 0.12% |
| RONALD J MOGG JR3 | 184 OLD MAMARONECK ROAD WHITE PLAINS, NY 10605 | AFLAC | $97 | — | $97 | 0.08% |
| JASON D HARTMAN3 | 10 LAKE STREET SUITE 2 MONROE, NY 10950 | AFLAC | $81 | — | $81 | 0.07% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $75 | — | $75 | 0.06% |
| SHARON L SPARKS-RENAUD3 | 75 CARNEY DRIVE CARNEYS POINT, NJ 08069 | AFLAC | $63 | — | $63 | 0.05% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $53 | — | $53 | 0.05% |
| TIMOTHY CAVAZOS3 | 108 ANDREW LINDSEY WILLIAMSBURG, VA 23185 | AFLAC | $51 | — | $51 | 0.04% |
| MICHAEL S CHILLE3 | 21 SAINT THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $49 | — | $49 | 0.04% |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $40 | — | $40 | 0.03% |
| RICHARD P MULLEN3 | 929 TEANECK ROAD APARTMENT 1C TEANECK, NJ 07666 | AFLAC | $38 | — | $38 | 0.03% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET APARTMENT 11C NEW YORK, NY 10038 | AFLAC | $34 | — | $34 | 0.03% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $34 | — | $34 | 0.03% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $24 | — | $24 | 0.02% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 401 EAST 80TH STREET APARTMENT 6J NEW YORK, NY 10075 | AFLAC | $21 | — | $21 | 0.02% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $16 | — | $16 | 0.01% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $16 | — | $16 | 0.01% |
| MELISSA A SCHOFIELD3 | 910 WEST KATHLEEN ROAD PHEONIX, CT 85023 | AFLAC | $8 | — | $8 | 0.01% |
| AMY K FOY3 | 804 MCCOY ROAD FRANKLIN LAKES, NJ 07417 | AFLAC | $7 | — | $7 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $7 | — | $7 | 0.01% |
| JUDITH S KASS3 | 47 MORNING WATCH ROAD WAYNE, NC 07470 | AFLAC | $3 | — | $3 | 0.00% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $2 | — | $2 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $1 | — | $1 | 0.00% |
| JASON SALLEMI3 | 302 MONROE STREET APARTMENT 4B HOBOKEN, NJ 07030 | AFLAC | $2K | $162 | $2K | 4.03% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 131 EAST 39TH STREET APARTMENT 3 NEW YORK, NY 10016 | AFLAC | $2K | $94 | $2K | 3.68% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $2K | — | $2K | 3.01% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $845 | $63 | $908 | 1.63% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $748 | — | $748 | 1.34% |
| CLAIRE MARIE GELINAS3 | 1374 MIDLAND AVENUE APARTMENT 111 BRONXVILLE, NY 10708 | AFLAC | $531 | $60 | $591 | 1.06% |
| MATIAS IGNACIO AYALA3 | 1052 STRATFORD AVENUE BRONX, NY 10472 | AFLAC | $278 | — | $278 | 0.50% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO LLC | 131 EAST 39TH STREET APARTMENT 3 NEW YORK, NY 10016 | AFLAC | $244 | — | $244 | 0.44% |
| RICHARD WHELAN3 | 3887 NORTHWEST 52ND STREET BOCA RATON, FL 33496 | AFLAC | $217 | — | $217 | 0.39% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER ELIA LUBELSKY | 80 JOHN STREET APARTMENT 11C NEW YORK, NY 10038 | AFLAC | $133 | — | $133 | 0.24% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD ROAD GARDEN CITY, NY 10021 | AFLAC | $124 | — | $124 | 0.22% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $121 | — | $121 | 0.22% |
| RYAN GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $104 | — | $104 | 0.19% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $98 | — | $98 | 0.18% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $78 | — | $78 | 0.14% |
| GIANA M COURT3 | 544 VAN BUREN STREET #1 BROOKLYN, NY 11221 | AFLAC | $78 | — | $78 | 0.14% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $57 | — | $57 | 0.10% |
| MATTHEW T OLSON3 | 8 LAKESIDE DRIVE CENTERPORT, NY 11721 | AFLAC | $48 | — | $48 | 0.09% |
| WILLIAM O'CONNELL3 | 98 LOIS LANE MONROE, NY 10950 | AFLAC | $47 | — | $47 | 0.08% |
| MICHAEL S CHILLE3 | 12 SAINT THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $40 | — | $40 | 0.07% |
| SHAUN T KONIOR3 | 31 STRATFORD GREEN FARMINGDALE, NY 11735 | AFLAC | $38 | — | $38 | 0.07% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $32 | — | $32 | 0.06% |
| EDWIN O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $25 | — | $25 | 0.04% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $22 | — | $22 | 0.04% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LANE MONTEBELLO, NC 10901 | AFLAC | $20 | — | $20 | 0.04% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $19 | — | $19 | 0.03% |
| TERRI MULLAN3 | 14535 34TH AVENUE FLUSHING, NY 11354 | AFLAC | $17 | — | $17 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | AFLAC | $14 | — | $14 | 0.03% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $13 | — | $13 | 0.02% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $7 | — | $7 | 0.01% |
| DEVON DIERMEIER3 | 14 WALL STREET SUITE 8C NEW YORK, NC 10005 | AFLAC | $1 | — | $1 | 0.00% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY #1 LIVINGSTON, NY 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 8.35% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 317 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 317 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 317 | $1.6M |
| Life insurance(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 317 | $1.7M |
| Other(3 contracts, 2 carriers) | AFLAC | 143 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.