| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | UNKNOWN BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $9K | $9K | 5.41% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 5.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $10K | — | $10K | 7.28% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $7K | $7K | 4.91% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $2K | $30 | $2K | 5.79% |
| MJ INSURANCE3 Filed as: JONATHAN P DUNN AND VARIOUS AGENTS | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $1K | — | $1K | 3.08% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVID | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $318 | — | $318 | 0.90% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $298 | — | $298 | 0.85% |
| MARY LARONDE3 Filed as: MARY J LARONDE | 4621 W 110TH AVE WESTMINSTER, CO 80031 | AFLAC | $283 | — | $283 | 0.80% |
| ANTHONY R ORGERA INC3 Filed as: ANTHONY R ORGERA | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $210 | $3 | $213 | 0.61% |
| JULIE ANN WITT3 | 826 OVERHILLS DR OLD HICKORY, TN 37138 | AFLAC | $169 | — | $169 | 0.48% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $2K | $57 | $2K | 6.34% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $348 | $13 | $361 | 1.23% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $356 | — | $356 | 1.21% |
| MJ INSURANCE3 Filed as: DONNA SCHULT AND VARIOUS AGENTS | 6481 ROBIN DR LONGMONT, CO 80503 | AFLAC | $332 | — | $332 | 1.13% |
| ANTHONY R ORGERA INC3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $111 | $13 | $124 | 0.42% |
| BARBARA FONTI3 Filed as: BARBARA A FONTI | PO BOX 2214 HUNTINGTON, NY 11743 | AFLAC | $68 | — | $68 | 0.23% |
| BRADLEY S RUPPEL3 | 70 VICTORIA DR HILTON HEAD ISLAND, SC 29926 | AFLAC | $53 | — | $53 | 0.18% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NY | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLZ EAST TOWER UNIONDALE, NY 115563817 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $833 | $833 | 4.04% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 403 | $166K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 689 | $21K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 308 | $142K |
| Short-term disability(2 contracts) | AFLAC | 25 | $64K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 308 | $142K |
| Other(4 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 770 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.