| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | UNKNOWN DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.62% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.98% |
| USI INSURANCE SERVICES LLC3 | 800 STATE STREET, SUITE 500 ERIE, PA 16501 | AFLAC | $2K | $0 | $2K | 4.57% |
| MICHAEL P FARLEY3 Filed as: MICHAEL FARLEY | 5586 MAIN STREET, SUITE 209 WILLIAMSVILLE, NY 14221 | AFLAC | $1K | $0 | $1K | 3.13% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | AFLAC | $446 | $0 | $446 | 1.01% |
| JILL A SPIRA3 Filed as: JILL SPIRA | 354 3RD STREET YOUNGSTOWN, NY 14174 | AFLAC | $189 | $0 | $189 | 0.43% |
| PAMELA KARDEEN3 | 2709 HOMES DRIVE MOREHEAD CITY, NC 28557 | AFLAC | $153 | $0 | $153 | 0.34% |
| LARAY KREBS3 | 2590 LENOX ROAD COLLINS, NY 14034 | AFLAC | $78 | $0 | $78 | 0.18% |
| GREGORY A KRAUZA3 Filed as: GREGORY KRAUZA AND OTHER AGENTS | 35 EAST MAIN STREET, SUITE 2 FREDONIA, NY 14063 | AFLAC | $71 | $0 | $71 | 0.16% |
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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 215 | $50K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 321 | $205K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 321 | $205K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 321 | $205K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 321 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.