| 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 | $287K | $7K | $295K | 16.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 11.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.68% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $174 | $174 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.86% |
| NEW CHARTERS LLC4 | PO BOX 8927 ELIZABETH, NJ 07201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | $0 | $6K | 28.25% |
| KAREN M. MCDOWELL4 | 460 FAIRLAND AVENUE FAIRHOPE, AL 36532 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | $0 | $38 | 0.18% |
| GERALD TOMER4 | 632 WALNUT STREET, APARTMENT 8 INGLEWOOD, CA 90301 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | $0 | $35 | 0.16% |
| ASHLEY L. GORDON COLLINS4 | 1703 TAFT PLACE, SUITE B HENRICO, VA 23238 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.12% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $2K | $0 | $2K | 8.64% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $601 | $0 | $601 | 2.82% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $337 | $0 | $337 | 1.58% |
| JILL LISA RAPPAPORT3 | 474 PROSPECT AVENUE BROOKLYN, NY 11215 | AFLAC | $328 | $0 | $328 | 1.54% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $136 | $0 | $136 | 0.64% |
| MJ INSURANCE3 Filed as: KENNETH C. MEIER AND VARIOUS AGENTS | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $133 | $0 | $133 | 0.62% |
| MAGII, INC.3 Filed as: MAGII INC. | 19 NOCHOLAS WAY BAITING HOLLOW, NY 11933 | AFLAC | $69 | $0 | $69 | 0.32% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $671 | $0 | $671 | 7.34% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $229 | $0 | $229 | 2.51% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $128 | $0 | $128 | 1.40% |
| MJ INSURANCE3 Filed as: BRIAN MILLER AND VARIOUS AGENTS | 52 COURT STREET FREEHOLD, NJ 07228 | AFLAC | $126 | $0 | $126 | 1.38% |
| JILL LISA RAPPAPORT3 | 474 PROSPECT AVENUE BROOKLYN, NY 11215 | AFLAC | $86 | $0 | $86 | 0.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | AFLAC | $59 | $0 | $59 | 0.65% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $35 | $0 | $35 | 0.38% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $246 | $0 | $246 | 6.70% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $73 | $0 | $73 | 1.99% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $62 | $0 | $62 | 1.69% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $34 | $0 | $34 | 0.93% |
| JILL LISA RAPPAPORT3 | 474 PROSPECT AVENUE BROOKLYN, NY 11215 | AFLAC | $24 | $0 | $24 | 0.65% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $21 | $0 | $21 | 0.57% |
| MJ INSURANCE3 Filed as: BRIAN WHITE AND VARIOUS AGENTS | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $12 | $0 | $12 | 0.33% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $428 | $0 | $428 | 12.26% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $147 | $0 | $147 | 4.21% |
| MATTHEW CERULLA3 | 353 EAST 82ND STREET APARTMENT 9 NEW YORK, NY 10028 | AFLAC | $114 | $23 | $137 | 3.92% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $83 | $0 | $83 | 2.38% |
| ENIDA MICI3 | 353 EAST 82ND STREET APARTMENT 9 NEW YORK, NY 10028 | AFLAC | $33 | $5 | $38 | 1.09% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $20 | $5 | $25 | 0.72% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $239 | $0 | $239 | 11.63% |
| JILL LISA RAPPAPORT3 | 474 PROSPECT AVENUE BROOKLYN, NY 11215 | AFLAC | $94 | $0 | $94 | 4.57% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $41 | $0 | $41 | 2.00% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $31 | $0 | $31 | 1.51% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $26 | $0 | $26 | 1.27% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $16 | $0 | $16 | 0.78% |
| JILL LISA RAPPAPORT3 Filed as: JILL L. RAPPAPORT AND OTHER AGENTS | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $14 | $0 | $14 | 0.68% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $102 | $0 | $102 | 5.81% |
| JILL LISA RAPPAPORT3 | 474 PROSPECT AVENUE BROOKLYN, NY 11215 | AFLAC | $44 | $0 | $44 | 2.51% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $33 | $0 | $33 | 1.88% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $16 | $0 | $16 | 0.91% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $15 | $0 | $15 | 0.85% |
| JILL LISA RAPPAPORT3 Filed as: JILL L. RAPPAPORT AND VARIOUS AGENT | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $8 | $0 | $8 | 0.46% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $7 | $0 | $7 | 0.40% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $252 | $0 | $252 | 27.81% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $59 | $0 | $59 | 6.51% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $52 | $0 | $52 | 5.74% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $6 | $0 | $6 | 0.66% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $3 | $0 | $3 | 0.33% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | $0 | $1 | 0.11% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $1 | $0 | $1 | 0.11% |
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 | 990 | 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) | 990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,206 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,206 | $1.7M |
| Vision | VISION SERVICE PLAN | 840 | $81K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 990 | $121K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 990 | $121K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,206 | $1.7M |
| Other(9 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 990 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,206 | — |
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.