| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $127K | $0 | $127K | 3.13% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK R. SIRACUSA | 225 DOLSON AVENUE, SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $9K | $107 | $9K | 5.92% |
| JMA CONSULTING SERVICES CORPORATION3 | 2 ADRIAN AVENUE, APARTMENT 24C BRONX, NY 10463 | AFLAC | $6K | $0 | $6K | 3.72% |
| ALYSSA MARIE CENTENO3 | 774 STATE ROUTE 211 MONTGOMERY, NY 12549 | AFLAC | $3K | $31 | $3K | 2.19% |
| RUSS HEYMAN3 | 9 QUARRY DRIVE NEW CITY, NY 10956 | AFLAC | $3K | $0 | $3K | 2.10% |
| MJ INSURANCE3 Filed as: LARRY JAY BLUM AND VARIOUS AGENTS | 321 ROUTE 52, SUITE 254 TALLMAN, NY 10982 | AFLAC | $2K | $93 | $3K | 1.68% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 225 DOLSON AVENUE, SUITE 304 MIDDLETON, NY 10940 | AFLAC | $2K | $83 | $2K | 1.29% |
| JASON HARTMAN3 | 10 LAKE STREET, SUITE 2 MONROE, NY 10950 | AFLAC | $1K | $0 | $1K | 0.82% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 100 SUMMIT LAKE DRIVE, SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $3K | $4K | $8K | 17.47% |
| KIMBERLY ANNE CUNNINGHAM3 | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $323 | $1K | 5.50% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $488 | $4 | $492 | 1.83% |
| PIO ANDRES ORTIZ3 | 5 BROOK ROAD ENFIELD, CT 06082 | THE PAUL REVERE LIFE INSURANCE COMPANY | $276 | $20 | $296 | 1.10% |
| THOMAS E KIENZLER3 Filed as: THOMAS E. KIENZLER AND OTHER AGENTS | 359 WASHINGTON ROAD ENFIELD, CT 06082 | THE PAUL REVERE LIFE INSURANCE COMPANY | $269 | $0 | $269 | 1.00% |
| KLUGMAN ASSOCIATES INC.3 Filed as: KLUGMAN ASSOCIATES | PO BOX 280 FERNDALE, NY 12734 | THE PAUL REVERE LIFE INSURANCE COMPANY | $136 | $0 | $136 | 0.51% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | THE PAUL REVERE LIFE INSURANCE COMPANY | $123 | $3 | $126 | 0.47% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $117 | $0 | $117 | 0.44% |
| DARLENE RUESS3 | 110 HADDEN STREET PEEKSKILL, NY 10566 | AFLAC | $156 | $0 | $156 | 3.03% |
| ELLEN LOUIS3 | 161 PEARSALL DRIVE, APARTMENT 5F MOUNT VERNON, NY 10552 | AFLAC | $138 | $0 | $138 | 2.68% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | AFLAC | $90 | $0 | $90 | 1.75% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DRIVE NEW CITY, NY 10956 | AFLAC | $35 | $0 | $35 | 0.68% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $35 | $0 | $35 | 0.68% |
| DEBRA PARKER3 Filed as: DEBRA M. PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $17 | $0 | $17 | 0.33% |
| KELLY A IRVINE3 Filed as: KELLY A. IRVINE | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $2 | — | $2 | 0.04% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 1.58% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.49% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.10% |
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 | 544 | 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) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $4.1M |
| Dental(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $4.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $4.1M |
| Life insurance(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 605 | $76K |
| Short-term disability(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 24 | $33K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $4.1M |
| Other(5 contracts, 4 carriers) | AFLAC | 605 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.