| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET SUITE 600 SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY | $54K | $12K | $66K | 13.37% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $865 | $0 | $865 | 5.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 WEST 57TH STREET 3RD FLOOR NEW YORK, NY 10019 | AFLAC | $827 | $0 | $827 | 4.93% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 RUHLE RISK MANAGEMENT GARDEN CITY, NY 11530 | AFLAC | $419 | $0 | $419 | 2.50% |
| CHRISTOPHER TARI3 | 4047 PARKSIDE DRIVE SEAFORD, NY 11783 | AFLAC | $221 | $0 | $221 | 1.32% |
| JAMES ROBERT CONFORT3 | 141 OXFORD BLVD GARDEN CITY, NY 11530 | AFLAC | $221 | $0 | $221 | 1.32% |
| TRACY MCCULLOCH3 | 1735 GORMLEY AVENUE MERRICK, NY 11566 | AFLAC | $192 | $0 | $192 | 1.14% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $160 | $0 | $160 | 0.95% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $94 | $0 | $94 | 0.56% |
| NICHOLAS JAWORSKI3 | 415 E CHESTER STREET SUITE 2 LONG BEACH, NY 11561 | AFLAC | $46 | $0 | $46 | 0.27% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $18 | $0 | $18 | 0.11% |
| ELIZABETH SARAH IMPERIAL3 | 120 LINCOLN STREET GARDEN CITY, NY 11530 | AFLAC | $5 | $0 | $5 | 0.03% |
| WILLIAM WHICHER3 | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $441 | $0 | $441 | 3.26% |
| MARCO A ERAZO3 | 4160 SW 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $332 | $0 | $332 | 2.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AFLAC | $283 | $0 | $283 | 2.09% |
| MAXIMO CABRERA3 | 4353 W WHITEWATER AVENUE WESTON, FL 33332 | AFLAC | $128 | $0 | $128 | 0.95% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $99 | $0 | $99 | 0.73% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $82 | $0 | $82 | 0.61% |
| JAVIER ORTIZ3 | 165 NE 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $82 | $0 | $82 | 0.61% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $81 | $0 | $81 | 0.60% |
| DARLENE ANITA SANDERS3 | 1401 VILLAGE BLVD APARTMENT 827 WEST PALM BEACH, FL 33409 | AFLAC | $28 | $0 | $28 | 0.21% |
| SHERRY M SMITH3 | 4388 WAXWING COURT BOYNTON BEACH, FL 33436 | AFLAC | $20 | $0 | $20 | 0.15% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTUNDI II | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $11 | $0 | $11 | 0.08% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $11 | $0 | $11 | 0.08% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $9 | $0 | $9 | 0.07% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP, INC. | 610 CRESCENT EXECUTIVE COURT SUITE 524 LAKE MARY, FL 32746 | AFLAC | $8 | $0 | $8 | 0.06% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $6 | $0 | $6 | 0.04% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $5 | $0 | $5 | 0.04% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH COURT FORT LAUDERDALE, FL 33308 | AFLAC | $4 | $0 | $4 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $4 | $0 | $4 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $4 | $0 | $4 | 0.03% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $3 | $0 | $3 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AXIS INSURANCE COMPANY | $1K | $0 | $1K | 25.00% |
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 | 758 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 758 | $494K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 758 | $494K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 758 | $494K |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 758 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 758 | — |
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.