| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1000 EAST WARRENVILLE ROAD SUITE 230 NAPERVILLE, IL 60563 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $171K | $0 | $171K | 2.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 2.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.68% |
| ARNUM WAPPLES4 | 14325 84TH DRIVE SUITE 4A BRIARWOOD, NY 11435 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 23.37% |
| ASHLEY L. GORDON COLLINS4 | 205 QUINCY STREET SUITE 1L BROOKLYN, NY 11216 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $174 | $0 | $174 | 1.83% |
| GERALD TOMER4 | 5086 1/2 WEST 20TH STREET LOS ANGELES, CA 90016 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $108 | $0 | $108 | 1.14% |
| JOCELYN H. CARRINGTON4 | 189 SOUTH PORTLAND AVENUE SUITE 3 BROOKLYN, NY 11217 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $102 | $0 | $102 | 1.07% |
| RANDI LYNN RIGOFF3 | 12 EAST 88TH STREET SUITE 1639 NEW YORK, NY 10028 | AFLAC | $435 | $22 | $457 | 6.70% |
| JILL LISA RAPPAPORT3 | 139 22ND STREET SUITE B BROOKLYN, NY 11232 | AFLAC | $164 | $0 | $164 | 2.40% |
| GEORGE BLAIR WEILER3 | 14 WALL STREET SUITE 8C BROOKLYN, NY 11232 | AFLAC | $85 | $4 | $89 | 1.30% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $60 | $0 | $60 | 0.88% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $55 | $4 | $59 | 0.86% |
| MJ INSURANCE3 Filed as: JILL RAPPAPORT AND VARIOUS AGENTS | 141 22ND STREET BROOKLYN, NY 11232 | AFLAC | $55 | $0 | $55 | 0.81% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $33 | $0 | $33 | 0.48% |
| RANDI LYNN RIGOFF3 | 12 EAST 88TH STREET SUITE 1639 NEW YORK, NY 10028 | AFLAC | $892 | $89 | $981 | 14.82% |
| GEORGE BLAIR WEILER3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $181 | $18 | $199 | 3.01% |
| JILL LISA RAPPAPORT3 | 139 22ND STREET SUITE B BROOKLYN, NY 11232 | AFLAC | $159 | $0 | $159 | 2.40% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $115 | $18 | $133 | 2.01% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $60 | $0 | $60 | 0.91% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11232 | AFLAC | $31 | $0 | $31 | 0.47% |
| JILL LISA RAPPAPORT3 Filed as: JILL RAPPAPAPORT AND OTHER AGENTS | 141 22ND STREET BROOKLYN, NY 11232 | AFLAC | $28 | $0 | $28 | 0.42% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET SUITE 1639 NEW YORK, NY 10028 | AFLAC | $949 | $84 | $1K | 16.55% |
| GEORGE BLAIR WEILER3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $196 | $17 | $213 | 3.41% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $170 | $17 | $187 | 3.00% |
| JILL LISA RAPPAPORT3 | 139 22ND STREET SUITE B BROOKLYN, NY 11232 | AFLAC | $75 | $0 | $75 | 1.20% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $53 | $0 | $53 | 0.85% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $31 | $0 | $31 | 0.50% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II AND OTHER AGENTS | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $21 | $0 | $21 | 0.34% |
| RANDI LYNN RIGOFF3 | 12 EAST 88TH STREET SUITE 1639 NEW YORK, NY 10028 | AFLAC | $536 | $127 | $663 | 11.17% |
| GEORGE BLAIR WEILER3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $132 | $25 | $157 | 2.64% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $100 | $25 | $125 | 2.11% |
| JILL LISA RAPPAPORT3 | 139 22ND STREET SUITE B BROOKLYN, NY 11232 | AFLAC | $43 | $0 | $43 | 0.72% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $33 | $0 | $33 | 0.56% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $20 | $0 | $20 | 0.34% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II AND OTHER AGENT | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12856 | AFLAC | $14 | $0 | $14 | 0.24% |
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 | 712 | 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) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 856 | $6.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 712 | $639K |
| Vision | VISION SERVICE PLAN | 556 | $92K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 712 | $639K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 712 | $639K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 712 | $639K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 856 | $6.1M |
| Other(6 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 712 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.