| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND LLC | 1 FINANCIAL PLAZA 2ND FLOOR HARTFORD, CT 06103 | AETNA LIFE INSURANCE COMPANY | $48K | — | $48K | 3.67% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $886 | $4K | 16.08% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $1K | — | $1K | 6.83% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND INC | 1 FINANCIAL PLAZA LOWER 2 HARTFORD, CT 11788 | AFLAC | $585 | — | $585 | 2.96% |
| JACQUES P DAVID CORPORATION3 | 5 MONTFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $258 | — | $258 | 1.31% |
| PATRICIA RUPPEL3 | 70 VICORIA DRIVE HILTON HEAD, SC 29926 | AFLAC | $230 | — | $230 | 1.16% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 35 PINELAWN ROAD SUITE 190 MELVILLE, NY 11747 | AFLAC | $215 | — | $215 | 1.09% |
| BARRY SIEGEL3 | PO BOX 144 DOBBS FERRY, NC 10522 | AFLAC | $151 | — | $151 | 0.76% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DRIVE APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $133 | — | $133 | 0.67% |
| DON'T SWEAT LIFE INC3 | 160 MIDDLE NECK ROAD APARMENT 3B GREAT NECK, NY 11021 | AFLAC | $116 | — | $116 | 0.59% |
| BRADLEY S RUPPEL3 | 70 VICTORIA DRIVE HILTON HEAD ISLAND, SC 29926 | AFLAC | $115 | — | $115 | 0.58% |
| JAMES (JAY) GRIMES3 | 614 ROBERT WILLIAMS ROAD PINE MOUNAIN, GA 31822 | AFLAC | $65 | — | $65 | 0.33% |
| GILBERTO DASILVA3 | 33 BARRYPARK COURT ALBERTSON, NY 11507 | AFLAC | $59 | — | $59 | 0.30% |
| PATRICIA ANN GRECO CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $40 | — | $40 | 0.20% |
| ANTHONY J CHILLE3 | 201 FOXBANK CIRCLE GREER, SC 29651 | AFLAC | $27 | — | $27 | 0.14% |
| BARBARA FONTI3 | PO BOX 2214 HUNTINGTON, NY 11743 | AFLAC | $24 | — | $24 | 0.12% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $17 | — | $17 | 0.09% |
| KATHERINE D GRIMES3 | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $6 | — | $6 | 0.03% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $6 | — | $6 | 0.03% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $4 | — | $4 | 0.02% |
| ALISSA MARIE CAVALLARO3 | 1 BAY CLUB DRIVE APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $2 | — | $2 | 0.01% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.01% |
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $409 | $408 | $817 | 4.14% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $201 | $201 | 1.02% |
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $295 | $301 | $596 | 4.14% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $142 | $142 | 0.99% |
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $46 | $46 | $92 | 4.15% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $23 | $23 | 1.04% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 113 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 58 | $26K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 58 | $26K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 178 | $20K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 178 | $14K |
| Other(2 contracts, 2 carriers) | AFLAC | 178 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.