| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| XL BENEFIT INSURANCE SERVICES3 | 10471 GRANT LINE ROAD, SUITE 100 ELK GROVE, CA 95624 | NIAGARA LIFE AND HEALTH INSURANCE | $35K | $44K | $78K | 9.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $49K | $49K | 9.14% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $17K | — | $17K | 3.18% |
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DR DESTIN, FL 32541 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $13K | — | $13K | 2.48% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | FSL NY | $8K | — | $8K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS ,LLC | 1787 SENTRY PARKWAY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | FSL NY | $4K | — | $4K | 5.00% |
| MARK P ENSLEY3 | 317 WEATHERSTONE LN SIMPSONVILLE, SC 29680 | AFLAC | $4K | $3K | $7K | 10.40% |
| FOUNDATION RISK PARTNERS CORP3 | 4512 FARRAGUT RD BROOKLYN, NY 11203 | AFLAC | $6K | — | $6K | 8.12% |
| RSC INSURANCE BROKERAGE INC3 | AND VARIOUS AGENTS 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $2K | $77 | $2K | 2.41% |
| BENEDIKT N MASON3 | 17 LITTLE BEAR HILL RD WESTFORD, MA 01886 | AFLAC | $2K | $77 | $2K | 2.31% |
| KERRY COLVIN3 | 1328 MILLER RD GREENVILLE, SC 29607 | AFLAC | $498 | $77 | $575 | 0.84% |
| WAYNE K JOSSELYN3 | 204 PHILLIPS LN GREER, SC 29650 | AFLAC | $469 | — | $469 | 0.68% |
| SCOTT SIBLEY3 | 35 TACK LN GREER, SC 29650 | AFLAC | $433 | — | $433 | 0.63% |
| BENEDIKT N MASON3 | 17 LITTLE BEAR HILL RD WESTFORD, MA 01886 | AFLAC | $1K | $40 | $1K | 3.63% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $988 | — | $988 | 3.06% |
| MJ INSURANCE3 Filed as: DANIEL P CLARK AND VARIOUS AGENTS | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $549 | — | $549 | 1.70% |
| JEFFREY D HARNED3 Filed as: JEFFREY STEPHEN BLOCKER | 3 BARNESDALE RD NATICK, MA 01760 | AFLAC | $543 | — | $543 | 1.68% |
| FOUNDATION RISK PARTNERS CORP3 | 1979 MARCUS AVE STE E100 NEW HYDE PARK, NY 11042 | AFLAC | $473 | — | $473 | 1.46% |
| ARI JOSEPH WEXLER3 | 11 STOCKDALE RD NEEDHAM, MA 02492 | AFLAC | $411 | — | $411 | 1.27% |
| ANGEL J NIEVES3 | 9 CLIFFORD ST HYDE PARK, MA 02136 | AFLAC | $291 | — | $291 | 0.90% |
| GERARD F MCCARTHY3 | 8944 NW 52ND CT CORAL SPRINGS, FL 33067 | AFLAC | $390 | — | $390 | 2.30% |
| DE VITA B MCKENZIE3 | AND VARIOUS AGENTS 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $328 | — | $328 | 1.93% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $243 | — | $243 | 1.43% |
| BARBARA S HERMES3 | 156 PRAIRIE DUNE WAY ORLANDO, FL 32828 | AFLAC | $132 | — | $132 | 0.78% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $125 | — | $125 | 0.74% |
| MICHAEL K PORTER3 | 4000 HOLLYWOOD BLVD STE 555S HOLLYWOOD, FL 33021 | AFLAC | $58 | — | $58 | 0.34% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $53 | — | $53 | 0.31% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | DELTA DENTAL OF NEW YORK | $460 | — | $460 | 3.10% |
| FOUNDATION RISK PARTNERS CORP3 | UNKNOWN WESTBURY, NY 11590 | DELTA DENTAL OF NEW YORK | $397 | — | $397 | 2.68% |
| JOSHUA E MARMOR3 | 34 HARWOOD RD NATICK, MA 01760 | AFLAC | $268 | $176 | $444 | 3.70% |
| FOUNDATION RISK PARTNERS CORP3 | 4512 FARRAGUT RD BROOKLYN, NY 11203 | AFLAC | $403 | — | $403 | 3.36% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | AFLAC | $355 | — | $355 | 2.96% |
| JEFFREY D HARNED3 Filed as: JEFFREY STEPHEN BLOCKER | 3 BARNESDALE RD NATICK, MA 01760 | AFLAC | $279 | — | $279 | 2.32% |
| BENEDIKT N MASON3 | 17 LITTLE BEAR HILL RD WESTFORD, MA 01886 | AFLAC | $134 | $72 | $206 | 1.72% |
| ARI JOSEPH WEXLER3 | 11 STOCKDALE RD NEEDHAM, MA 02492 | AFLAC | $78 | — | $78 | 0.65% |
| MJ INSURANCE3 Filed as: DANIEL P CLARK AND VARIOUS AGENTS | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $38 | — | $38 | 0.32% |
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 | 1,652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 70 | $15K |
| Vision | FSL NY | 1,215 | $80K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,612 | $537K |
| Short-term disability(5 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,612 | $667K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,612 | $537K |
| Stop-loss / reinsurancereinsurance | NIAGARA LIFE AND HEALTH INSURANCE | 964 | $870K |
| Other(5 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,612 | $667K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,612 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.