| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE & ASSOCIATES, LTD. | 445 BROADHOLLOW ROAD SUITE 119 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $18K | $67K | 4.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.32% |
| RENEE METJE3 | 60 US HIGHWAY 46, SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $5K | $191 | $5K | 12.23% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER T. LYONS | 15 GLENDALE LANE FAIRFIELD, NJ 07004 | AFLAC | $1K | $45 | $2K | 3.40% |
| JOSHUA PAUL GROUP INC3 | 150 ALLEN ROAD, SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $722 | $45 | $767 | 1.71% |
| MJ INSURANCE3 Filed as: PATRICK R. RUHLE & VARIOUS AGENTS | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $685 | $20 | $705 | 1.57% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVENUE SOUTH HACKENSACK, NJ 07606 | AFLAC | $224 | $0 | $224 | 0.50% |
| SHARON E. SAX3 | 525 SPRING VALLEY ROAD, SUITE A MAYWOOD, NJ 07607 | AFLAC | $124 | $42 | $166 | 0.37% |
| BARBARA ANN MEYER3 | 4232 RAFFIA PALM CIRCLE NAPLES, FL 34119 | AFLAC | $113 | $0 | $113 | 0.25% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.4M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.