| 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 | $341K | $0 | $341K | 16.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 9.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.37% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $198 | $198 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.66% |
| NEW CHARTERS LLC4 | PO BOX 8927 ELIZABETH, NJ 07201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | $0 | $6K | 23.92% |
| GERALD TOMER4 | 632 WALNUT STREET APARTMENT 8 INGLEWOOD, CA 90301 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | $0 | $32 | 0.13% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $1K | $70 | $1K | 5.47% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $404 | $16 | $420 | 1.83% |
| JILL LISA RAPPAPORT3 | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $381 | $0 | $381 | 1.66% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 35 PINELAWN ROAD, SUIT 190 MELVILLE, NY 11747 | AFLAC | $212 | $16 | $228 | 0.99% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $143 | $0 | $143 | 0.62% |
| MJ INSURANCE3 Filed as: MAGIC INC. AND VARIOUS AGENTS | 19 NICHOLAS WAY BAITING HOLLOW, NY 11933 | AFLAC | $109 | $0 | $109 | 0.48% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $69 | $0 | $69 | 0.30% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $1K | $25 | $1K | 9.72% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $413 | $6 | $419 | 2.87% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 35 PINELAWN ROAD, SUIT 190 MELVILLE, NY 11747 | AFLAC | $245 | $6 | $251 | 1.72% |
| MJ INSURANCE3 Filed as: BRIAN MILLER AND VARIOUS AGENTS | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $129 | $0 | $129 | 0.88% |
| JILL LISA RAPPAPORT3 | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $103 | $0 | $103 | 0.71% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | AFLAC | $65 | $0 | $65 | 0.45% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $38 | $0 | $38 | 0.26% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $613 | $0 | $613 | 14.30% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $187 | $0 | $187 | 4.36% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 31 STRATFORD GREEN FARMINGDALE, NY 11735 | AFLAC | $71 | $0 | $71 | 1.66% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 35 PINELAWN ROAD, SUIT 190 MELVILLE, NY 11747 | AFLAC | $40 | $0 | $40 | 0.93% |
| MATTHEW CERULLA3 | 353 EAST 82ND STREET APARTMENT 9 NEW YORK, NY 10028 | AFLAC | $25 | $0 | $25 | 0.58% |
| ENIDA MICI3 | 353 EAST 82ND STREET APARTMENT 9 NEW YORK, NY 10028 | AFLAC | $14 | $0 | $14 | 0.33% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $7 | $0 | $7 | 0.16% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $232 | $0 | $232 | 5.47% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 35 PINELAWN ROAD, SUIT 190 MELVILLE, NY 11747 | AFLAC | $73 | $0 | $73 | 1.72% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $62 | $0 | $62 | 1.46% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $30 | $0 | $30 | 0.71% |
| JILL LISA RAPPAPORT3 | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $20 | $0 | $20 | 0.47% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $19 | $0 | $19 | 0.45% |
| MJ INSURANCE3 Filed as: BRIAN WHITE AND VARIOUS AGENTS | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $8 | $0 | $8 | 0.19% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $111 | $0 | $111 | 4.74% |
| JILL LISA RAPPAPORT3 | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $52 | $0 | $52 | 2.22% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $36 | $0 | $36 | 1.54% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 35 PINELAWN ROAD, SUIT 190 MELVILLE, NY 11747 | AFLAC | $18 | $0 | $18 | 0.77% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $17 | $0 | $17 | 0.73% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $8 | $0 | $8 | 0.34% |
| MJ INSURANCE3 Filed as: BRIAN WHITE AND VARIOUS AGENTS | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $4 | $0 | $4 | 0.17% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $100 | $14 | $114 | 6.08% |
| JILL LISA RAPPAPORT3 | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $78 | $0 | $78 | 4.16% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $24 | $0 | $24 | 1.28% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $14 | $3 | $17 | 0.91% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $12 | $0 | $12 | 0.64% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 35 PINELAWN ROAD, SUIT 190 MELVILLE, NY 11747 | AFLAC | $8 | $3 | $11 | 0.59% |
| MJ INSURANCE3 Filed as: BRIAN WHITE AND VARIOUS AGENTS | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $5 | $0 | $5 | 0.27% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET APARTMENT 1639 NEW YORK, NY 10028 | AFLAC | $96 | $25 | $121 | 9.31% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $31 | $6 | $37 | 2.85% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $29 | $6 | $35 | 2.69% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $7 | $0 | $7 | 0.54% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $3 | $0 | $3 | 0.23% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | $0 | $1 | 0.08% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $1 | $0 | $1 | 0.08% |
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 | 1,084 | 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) | 1,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,310 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,310 | $2.1M |
| Vision | VISION SERVICE PLAN | 888 | $94K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,084 | $167K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,084 | $167K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,310 | $2.1M |
| Other(9 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,084 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,310 | — |
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.