| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 700 BROADWAY DENVER, CO 80273 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $159K | — | $159K | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 2.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | VISION SERVICE PLAN | $2K | — | $2K | 2.75% |
| RANDY RIGOFF3 | 12 EAST 86TH STREET, APT 1639 NEW YORK, NY 10028 | AFLAC | $5K | $138 | $5K | 12.75% |
| JILL LISA RAPPAPORT3 Filed as: JILL RAPPAPORT | 139 22ND STREET, APT B BROOKLYN, NY 11232 | AFLAC | $924 | — | $924 | 2.21% |
| GEORGE BLAIR WEILER3 Filed as: GEORGE WEILER | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $854 | $5 | $859 | 2.06% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $728 | $28 | $756 | 1.81% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $403 | — | $403 | 0.97% |
| MAGII, INC.3 Filed as: MAGII INC. AND VARIOUS OTHER AGENTS | 19 NICHOLAS WAY BATING HOLLOW, NY 11933 | AFLAC | $276 | $26 | $302 | 0.72% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $222 | — | $222 | 0.53% |
| ARNUM WAPPLES4 | 803 UNION STREET APARTMENT 4 BROOKLYN, NY 11215 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 30.76% |
| GERALD TOMER4 | 5086 1/2 WEST 20TH STREET LOS ANGELES, CA 90016 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $343 | — | $343 | 7.67% |
| JOCELYN H. CARRINGTON4 | 189 SOUTH PORTLAND AVENUE APARTMENT 3 BROOKLYN, NY 11217 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $268 | — | $268 | 5.99% |
| ASHLEY L. GORDON COLLINS4 Filed as: ASHLEY L GORDON COLLINS | 205 QUINCY STREET APARTMENT 1L BROOKLYN, NY 11216 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $245 | — | $245 | 5.48% |
| HILDAURA VENCE4 | 315 FLATBUSH AVENUE BROOKLYN, NY 11217 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $35 | — | $35 | 0.78% |
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 | 672 | 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) | 672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,614 | $5.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $583K |
| Vision | VISION SERVICE PLAN | 537 | $88K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $583K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $583K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $583K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,614 | $5.5M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,614 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.