| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $105K | $11K | $116K | 8.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $106K | $0 | $106K | 7.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 6.56% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $220 | $220 | 0.11% |
| BRAILE WORKS5 | 942 DARBY LAKE STREET SEFFNER, FL 33584 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $43 | $43 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.49% |
| RANDI LYNN RIGOFF3 Filed as: RANDI RIGOFF | 12 EAST 86TH STREET, APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $815 | $34 | $849 | 6.63% |
| GEORGE BLAIR WEILER3 Filed as: GEORGE WEILER | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $194 | $7 | $201 | 1.57% |
| JILL LISA RAPPAPORT3 Filed as: JILL RAPPAPORT | 141 22ND STREET BROOKLYN, NY 11232 | AFLAC | $194 | $0 | $194 | 1.52% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $154 | $7 | $161 | 1.26% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $98 | $0 | $98 | 0.77% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $55 | $0 | $55 | 0.43% |
| MJ INSURANCE3 Filed as: BENITO ROTONDI AND VARIOUS AGENTS | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $26 | $0 | $26 | 0.20% |
| ARNUM WAPPLES4 | 14325 84TH DRIVE, APARTMENT 4A BRIARWOOD, NY 11435 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 14.63% |
| ASHLEY L. GORDON COLLINS4 | 205 QUINCY STREET, APARTMENT 1L BROOKLYN, NY 11216 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $128 | $0 | $128 | 1.59% |
| DERIA F. WEBB CENAC4 | 2785 UNIVERSITY AVENUE APARTMENT 5J BRONX, NY 10468 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $72 | $0 | $72 | 0.89% |
| JOCELYN H. CARRINGTON4 | 189 SOUTH PORTLAND AVENUE APARTMENT 3 BROOKLYN, NY 11217 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $57 | $0 | $57 | 0.71% |
| GERALD TOMER4 | 5086 1/2 WEST 20TH STREET LOS ANGELES, CA 90016 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $39 | $0 | $39 | 0.48% |
| RANDI LYNN RIGOFF3 Filed as: RANDI RIGOFF | 12 EAST 86TH STREET, APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $380 | $0 | $380 | 10.95% |
| GEORGE BLAIR WEILER3 Filed as: GEORGE WEILER | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $87 | $0 | $87 | 2.51% |
| JILL LISA RAPPAPORT3 Filed as: JILL RAPPAPORT | 141 22ND STREET BROOKLYN, NY 11232 | AFLAC | $60 | $0 | $60 | 1.73% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $60 | $0 | $60 | 1.73% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $19 | $0 | $19 | 0.55% |
| MJ INSURANCE3 Filed as: DALE THOMAS AND VARIOUS AGENTS | 28 OLD FULTON STREET, APARTMENT 6H BROOKLYN, NY 11201 | AFLAC | $18 | $0 | $18 | 0.52% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $11 | $0 | $11 | 0.32% |
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 | 707 | 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) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 890 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 890 | $1.3M |
| Vision | VISION SERVICE PLAN | 585 | $97K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 752 | $209K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 752 | $209K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 752 | $209K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 890 | $1.3M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 752 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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.