| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - NY | 1 EXECUTIVE DRIVE SOMERSET, NJ 08873 | OXFORD HEALTH INSURANCE, INC | $104K | — | $104K | 3.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 | NORTHEAST 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $10K | $2K | $12K | 9.54% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $6K | $6K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AFLAC | $3K | — | $3K | 6.68% |
| MJ INSURANCE3 Filed as: TBA DEBBIE LEFF AND VARIOUS AGENTS | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $2K | $6 | $2K | 5.02% |
| J G DENIVO CORP3 | 14107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $2K | $51 | $2K | 3.56% |
| JAMES D MAUREN3 Filed as: JAMES MICHAEL GALLAER | 23 AVENUE C HOLBROOK, NY 11741 | AFLAC | $981 | — | $981 | 2.05% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LN HAVERTOWN, PA 19083 | AFLAC | $828 | — | $828 | 1.73% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $651 | — | $651 | 1.36% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $635 | $13 | $648 | 1.35% |
| JASON G DENIVO3 | 14107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $1K | — | $1K | 5.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 MADISON AVE FL 7 NEW YORK, NY 10017 | AFLAC | $622 | — | $622 | 3.10% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $280 | — | $280 | 1.39% |
| BRIEN C SABELLA3 | 116 COOK RD PROSPECT, CT 06712 | AFLAC | $256 | — | $256 | 1.27% |
| MJ INSURANCE3 Filed as: JAMES S BURNS AND VARIOUS AGENTS | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $203 | — | $203 | 1.01% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $87 | — | $87 | 0.43% |
| DOUGLAS JOSEPH CUMMINGS3 Filed as: DOUGLAS J CUMMINGS | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $59 | — | $59 | 0.29% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $360 | — | $360 | 6.11% |
| PAUL S MANNA JR3 | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $192 | — | $192 | 3.26% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $57 | — | $57 | 0.97% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $25 | — | $25 | 0.42% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $25 | — | $25 | 0.42% |
| MJ INSURANCE3 Filed as: JOSHUA K HOPPE AND VARIOUS AGENTS | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $16 | — | $16 | 0.27% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $10 | — | $10 | 0.17% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 430 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 413 | $299K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 413 | $299K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 231 | $175K |
| Short-term disability(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 231 | $201K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 231 | $128K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 430 | $3.0M |
| Other(5 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 250 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.