| 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 | $245K | $10K | $255K | 18.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.96% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $137 | $137 | 0.14% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $24 | $24 | 0.02% |
| NEW CHARTERS LLC4 Filed as: NEW CHARTERS, LLC | 14325 84TH DRIVE, APARTMENT 4A BRIARWOOD, NY 11435 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | $0 | $6K | 30.43% |
| BARTON EVINS4 | 7 NAVY PIER COURT, UNIT 4105 STATEN ISLAND, NY 10304 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $153 | $0 | $153 | 0.83% |
| ASHLEY L. GORDON COLLINS4 | 1703 TAFT PLACE, SUITE B HENRICO, VA 23238 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $72 | $0 | $72 | 0.39% |
| GERALD TOMER4 | 5086 1/2 WEST 20TH STREET LOS ANGELES, CA 90016 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $46 | $0 | $46 | 0.25% |
| ALAMAY GETACHEW4 | 140-50 ASH AVENUE, APARTMENT 4D FLUSHING, NY 11355 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $30 | $0 | $30 | 0.16% |
| DERIA WEBB4 | 2785 UNIVERSITY AVENUE APARTMENT 5J BRONX, NY 10468 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | $0 | $25 | 0.14% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET, APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $663 | $124 | $787 | 8.49% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $240 | $25 | $265 | 2.86% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $137 | $25 | $162 | 1.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | AFLAC | $141 | $0 | $141 | 1.52% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE AND OTHER AGENTS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $119 | $7 | $126 | 1.36% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $82 | $36 | $118 | 1.27% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $33 | $7 | $40 | 0.43% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET, APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $271 | $0 | $271 | 5.93% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $80 | $0 | $80 | 1.75% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $70 | $0 | $70 | 1.53% |
| TREVOR FENNELL3 | 7 HIGHLAND EAST HAMPTON, NY 11937 | AFLAC | $37 | $0 | $37 | 0.81% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $23 | $0 | $23 | 0.50% |
| JILL LISA RAPPAPORT3 | 448 PROSPECT AVENUE BROOKLYN, NY 11215 | AFLAC | $20 | $0 | $20 | 0.44% |
| JILL LISA RAPPAPORT3 Filed as: JILL RAPPAPORT AND OTHER AGENTS | 474 PROSPECT AVENUE BROOKLYN, NY 11215 | AFLAC | $20 | $0 | $20 | 0.44% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET, APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $146 | $0 | $146 | 4.57% |
| JILL LISA RAPPAPORT3 | 448 PROSPECT AVENUE BROOKLYN, NY 11215 | AFLAC | $102 | $0 | $102 | 3.19% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $49 | $0 | $49 | 1.53% |
| JILL LISA RAPPAPORT3 | 474 PROSPECT AVENUE BROOKLYN, NY 11215 | AFLAC | $42 | $0 | $42 | 1.32% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $26 | $0 | $26 | 0.81% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II, INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | $0 | $6 | 0.19% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $6 | $0 | $6 | 0.19% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET, APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $35 | $0 | $35 | 6.52% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $19 | $0 | $19 | 3.54% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $9 | $0 | $9 | 1.68% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $5 | $0 | $5 | 0.93% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II, INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | $0 | $1 | 0.19% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $1 | $0 | $1 | 0.19% |
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 | 840 | 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) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,034 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,034 | $1.4M |
| Vision | VISION SERVICE PLAN | 676 | $114K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 840 | $97K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 840 | $97K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 840 | $97K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,034 | $1.4M |
| Other(6 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 840 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,034 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.