| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EFG ASSOCIATES3 Filed as: EFG ASSOCIATES INC | 739 DUMONT PL VALLEY STREAM, NY 11581 | AFLAC | $21K | — | $21K | 7.91% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $13K | $625 | $14K | 5.20% |
| BRIAN MILLER3 | 52 COURT ST. FREEHOLD, NJ 07728 | AFLAC | $7K | $583 | $8K | 2.84% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST. SUITE # 8C NEW YORK, NY 10005 | AFLAC | $6K | $317 | $7K | 2.47% |
| ILANA A IZSAK3 | 10848 70TH RD. APT. 10G FOREST HILLS, NY 11375 | AFLAC | $4K | $376 | $4K | 1.67% |
| ANDREW HENRY3 | 91 BUFFALO AVENUE EAST ATLANTIC BEACH, NY 11561 | AFLAC | $691 | — | $691 | 0.26% |
| JILL LISA RAPPAPORT3 | 402 19TH STREET BROOKLYN, NY 11215 | AFLAC | $202 | — | $202 | 0.08% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER. POMPTON PLAINS, NJ 07444 | AFLAC | $194 | — | $194 | 0.07% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP APT. 6C NEW YORK, NY 10038 | AFLAC | $189 | — | $189 | 0.07% |
| CESACO LLC3 | 1619 43RD STREET BROOKLYN, NY 11204 | AFLAC | $136 | — | $136 | 0.05% |
| ANDREW HENRY3 | 316 E WALNUT STREET LONG BEACH, NY 11561 | AFLAC | $127 | — | $127 | 0.05% |
| WENDY PEARLROTH3 | 5531 CHEERFUL LN. CHARLOTTE, NC 28215 | AFLAC | $96 | — | $96 | 0.04% |
| DONALD BUDDE3 | 16 RIVERSIDE AVENUE UNIT A AMITYVILLE, NY 11701 | AFLAC | $69 | — | $69 | 0.03% |
| KEITH LEPACK3 | 1991 BROADWAY APT. 12B NEW YORK, NY 10023 | AFLAC | $59 | — | $59 | 0.02% |
| ROSCO SOLUTIONS LLC3 | 704 SEAGATE DR. TAMPA, FL 33602 | AFLAC | $51 | — | $51 | 0.02% |
| IVAN M SERVAIS3 Filed as: IVAN M. SERVAIS | 14 WALL STREET STE 8C NEW YORK, NY 10005 | AFLAC | $51 | — | $51 | 0.02% |
| ALBERT BRUCKNER3 | 3018 BROADWAY APT 2E ASTORIA, NY 11106 | AFLAC | $48 | — | $48 | 0.02% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD. HUNTINGTON, NY 11743 | AFLAC | $37 | — | $37 | 0.01% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVENUE BEECHHURST, NY 11357 | AFLAC | $27 | — | $27 | 0.01% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR. HUNTINGTON, NY 11743 | AFLAC | $23 | — | $23 | 0.01% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS &FIN SERV GRP LLC | 1 INTERNATIONAL BLVD. MAHWAH, NJ 07495 | AFLAC | $17 | — | $17 | 0.01% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $16 | — | $16 | 0.01% |
| AMERICAN TEL-TEK INC.3 | 2385 WOODHULL AVE. BRONX, NY 10469 | AFLAC | $16 | — | $16 | 0.01% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 11 KEENAN PL. GARDEN CITY, NY 11530 | AFLAC | $15 | — | $15 | 0.01% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD. GARDEN CITY, NY 11530 | AFLAC | $14 | — | $14 | 0.01% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN. PLEASANTVILLE, NY 10570 | AFLAC | $12 | — | $12 | 0.00% |
| THOMAS J. LAVECCHIA3 | 1115 129TH STREET FLUSHING, NY 11356 | AFLAC | $10 | — | $10 | 0.00% |
| SUNIL RIHAL3 | 1111 MARCUS AVENUE STE 100 NEW HYDE PARK, NY 11042 | AFLAC | $9 | — | $9 | 0.00% |
| CHANI ADOLF3 | 1619 43RD STREET BROOKLYN, NY 11204 | AFLAC | $5 | — | $5 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DR. NORTH KINGSTOWN, RI 02852 | AFLAC | $4 | — | $4 | 0.00% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR. NEW ROCHELLE, NY 10804 | AFLAC | $3 | — | $3 | 0.00% |
| FRANCIS JOSEPH KEENOY3 | 3130 KINGSBRIDGE AVE. APT. 302A BRONX, NY 10463 | AFLAC | $3 | — | $3 | 0.00% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD. SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | — | $3 | 0.00% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $3 | — | $3 | 0.00% |
| LEONARD D'ALBERTI3 | 21 WOODHULL CT. NORTHPORT, NY 11768 | AFLAC | $3 | — | $3 | 0.00% |
| TOMAS E FLORES3 | 2030 HUDSON ST. APT. 942 FORT LEE, NJ 07024 | AFLAC | $2 | — | $2 | 0.00% |
| LEADING EDGE ADMINISTRATORS3 | 14 WALL STREET SUITE 5B NEW YORK, NY 10005 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $89K | $89K | — |
| EFG ASSOCIATES3 | 2706 AVENUE N BROOKLYN, NY 11210 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $57K | $57K | — |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM | 1 PENN PLAZA NEW YORK, NY 10119 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $10K | $10K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 CLAIMS PROCESSING | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $99K |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 0 | $0 |
| Short-term disability | AFLAC | 140 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.