| 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 | $338K | $20K | $358K | 14.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 8.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.66% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $215 | $215 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.70% |
| NEW CHARTERS LLC3 Filed as: NEW CHARTERS, LLC | PO BOX 8927 ELIZABETH, NJ 07201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $10K | $0 | $10K | 21.91% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET, SUITE 1639 NEW YORK, NY 10028 | AFLAC | $514 | $0 | $514 | 5.49% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $148 | $0 | $148 | 1.58% |
| JILL LISA RAPPAPORT3 | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $123 | $0 | $123 | 1.31% |
| MJ INSURANCE3 Filed as: MAGII, INC. AND VARIOUS AGENTS | 19 NICHOLAS WAY BAITING HOLLOW, NY 11933 | AFLAC | $84 | $0 | $84 | 0.90% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $69 | $0 | $69 | 0.74% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $69 | $0 | $69 | 0.74% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PLACE BROOKLYN, NY 11215 | AFLAC | $68 | $0 | $68 | 0.73% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET, SUITE 1639 NEW YORK, NY 10028 | AFLAC | $399 | $78 | $477 | 5.80% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $142 | $18 | $160 | 1.95% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $77 | $18 | $95 | 1.16% |
| JILL LISA RAPPAPORT3 Filed as: JILL L. RAPPAPORT AND OTHER AGENTS | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $91 | $0 | $91 | 1.11% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PLACE BROOKLYN, NY 11215 | AFLAC | $52 | $0 | $52 | 0.63% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $29 | $0 | $29 | 0.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | AFLAC | $27 | $0 | $27 | 0.33% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET, SUITE 1639 NEW YORK, NY 10028 | AFLAC | $286 | $51 | $337 | 12.26% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $109 | $12 | $121 | 4.40% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 31 STRATFORD GLEN FARMINDGDALE, NY 11735 | AFLAC | $31 | $12 | $43 | 1.56% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $29 | $0 | $29 | 1.06% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET, SUITE 1639 NEW YORK, NY 10028 | AFLAC | $102 | $0 | $102 | 4.76% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $33 | $0 | $33 | 1.54% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PLACE BROOKLYN, NY 11215 | AFLAC | $26 | $0 | $26 | 1.21% |
| JILL LISA RAPPAPORT3 | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $22 | $0 | $22 | 1.03% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $16 | $0 | $16 | 0.75% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $15 | $0 | $15 | 0.70% |
| MJ INSURANCE3 Filed as: BRIAN WHITE AND VARIOUS AGENTS | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $11 | $0 | $11 | 0.51% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET, SUITE 1639 NEW YORK, NY 10028 | AFLAC | $112 | $0 | $112 | 5.37% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $41 | $0 | $41 | 1.96% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $37 | $0 | $37 | 1.77% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $11 | $0 | $11 | 0.53% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $8 | $0 | $8 | 0.38% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II, INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | $0 | $2 | 0.10% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $2 | $0 | $2 | 0.10% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET, SUITE 1639 NEW YORK, NY 10028 | AFLAC | $60 | $0 | $60 | 4.18% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PLACE BROOKLYN, NY 11215 | AFLAC | $39 | $0 | $39 | 2.72% |
| JILL LISA RAPPAPORT3 | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $32 | $0 | $32 | 2.23% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $22 | $0 | $22 | 1.53% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $11 | $0 | $11 | 0.77% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II, INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | $0 | $2 | 0.14% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $2 | $0 | $2 | 0.14% |
| RANDI LYNN RIGOFF3 | 12 EAST 86TH STREET, SUITE 1639 NEW YORK, NY 10028 | AFLAC | $13 | $0 | $13 | 5.99% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $5 | $0 | $5 | 2.30% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $4 | $0 | $4 | 1.84% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $1 | $0 | $1 | 0.46% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $1 | $0 | $1 | 0.46% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II, INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 1,120 | 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) | 1,120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,379 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,379 | $2.5M |
| Vision | VISION SERVICE PLAN | 949 | $91K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,120 | $198K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,120 | $198K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,120 | $198K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,379 | $2.5M |
| Other(9 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,120 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,379 | — |
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.