| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY LEVINE & ASSOCIATES LIMITED3 Filed as: GARY LEVINE AND ASSOCIATES LIMITED | 445 BROADHOLLOW ROAD, SUITE 119 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $0 | $35K | 2.56% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $11K | $16K | 1.20% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.17% |
| RENEE METJE3 | 60 US HIGHWAY 46, SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $6K | $301 | $6K | 11.27% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER T. LYONS | 15 GLENDALE LANE FAIRFIELD, NJ 07004 | AFLAC | $2K | $70 | $2K | 3.25% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $863 | $70 | $933 | 1.72% |
| BRUCE IRA SUGARMAN3 Filed as: BRUCE SUGARMAN AND OTHER AGENTS | 7804 GREYBIRCH TERRACE PORT RICHEY, FL 34668 | AFLAC | $656 | $0 | $656 | 1.21% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVENUE SOUTH HACKENSACK, NJ 07606 | AFLAC | $189 | $0 | $189 | 0.35% |
| BARBARA ANN MEYER3 | 4232 RAFFIA PALM CIRCLE NAPLES, FL 34119 | AFLAC | $122 | $0 | $122 | 0.22% |
| PATRICK R RUHLE3 Filed as: PATRICK R. RUHLE | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $99 | $0 | $99 | 0.18% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.4M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.