| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SUITE 600 SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY | $64K | $13K | $76K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCES SERVICES INC | 32 OLD SLIP FL 17 NEW YORK, NY 10005 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.98% |
| JOHN V NAJARIAN3 | 3310 GLEN CAIRN COURT #202 BONITA SPRINGS, FL 34134 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.91% |
| ANDREW S BLUESTONE3 | 50 HART STREET RAMSEY, NJ 07446 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $280 | $0 | $280 | 0.24% |
| GEORGE R KOROGHLIAN3 | 250 PEHLE AVE SUITE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $83 | $166 | $249 | 0.22% |
| STEPHEN L GROSSMAN3 | 250 WEST 34TH STREET NEW YORK, NY 10119 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $135 | $52 | $187 | 0.16% |
| T AND H BENEFITS, LLC3 Filed as: T&H BENEFITS LLC | 320 W 57TH STREET 3RD FLOOR NEW YORK, NY 10019 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $104 | $0 | $104 | 0.09% |
| RICHARD T NOLAN3 | 250 PEHLE AVE SUITE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $80 | $0 | $80 | 0.07% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $915 | $0 | $915 | 4.71% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $400 | $0 | $400 | 2.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 WEST 57TH STREET 3RD FLOOR NEW YORK, NY 10019 | AFLAC | $337 | $0 | $337 | 1.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE FL 14 NEW YORK, NY 10178 | AFLAC | $311 | $0 | $311 | 1.60% |
| TRACY MCCULLOCH3 | 1735 GORMLEY AVENUE MERRICK, NY 11566 | AFLAC | $188 | $0 | $188 | 0.97% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $164 | $0 | $164 | 0.84% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $136 | $0 | $136 | 0.70% |
| CHRISTOPHER TARI3 | 80 N CENTRE AVE APT PH416 ROCKVILLE CENTRE, NY 11570 | AFLAC | $136 | $0 | $136 | 0.70% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $99 | $0 | $99 | 0.51% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $21 | $0 | $21 | 0.11% |
| ELIZABETH SARAH IMPERIAL3 | 120 LINCOLN ST GARDEN CITY, NY 11530 | AFLAC | $5 | $0 | $5 | 0.03% |
| WILLIAM WHICHER3 | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $553 | $0 | $553 | 3.97% |
| MARCO A ERAZO3 | 4160 SW 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $318 | $0 | $318 | 2.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AFLAC | $266 | $0 | $266 | 1.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE FL 14 NEW YORK, NY 10178 | AFLAC | $203 | $0 | $203 | 1.46% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J TARI | 80 N CENTRE AVE APT PH416 ROCKVILLE CENTRE, NY 11570 | AFLAC | $152 | $0 | $152 | 1.09% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LN GARDEN CITY, NY 11530 | AFLAC | $152 | $0 | $152 | 1.09% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $135 | $0 | $135 | 0.97% |
| MAXIMO CABRERA3 | 4354 W WHITEWATER AVE WESTON, FL 33332 | AFLAC | $122 | $0 | $122 | 0.88% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $92 | $0 | $92 | 0.66% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $78 | $0 | $78 | 0.56% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $67 | $0 | $67 | 0.48% |
| DARLENE ANITA SANDERS3 | 4142 HIBISCUS CIR WEST PALM BEACH, FL 33409 | AFLAC | $37 | $0 | $37 | 0.27% |
| SHERRY M SMITH3 | 4388 WAXWING CT BOYNTON BEACH, FL 33436 | AFLAC | $20 | $0 | $20 | 0.14% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $10 | $0 | $10 | 0.07% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $9 | $0 | $9 | 0.06% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP, INC. | 610 CRESCENT EXECUTIVE CT STE 524 LAKE MARY, FL 32746 | AFLAC | $8 | $0 | $8 | 0.06% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD RD BOCA RATON, FL 33433 | AFLAC | $7 | $0 | $7 | 0.05% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $6 | $0 | $6 | 0.04% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $5 | $0 | $5 | 0.04% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $3 | $0 | $3 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | 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 | $867 | $0 | $867 | 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 | 793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 793 | $636K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 793 | $636K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 793 | $750K |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 793 | $673K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
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.