| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEADING EDGE ADMINISTRATORS | 4631 WOODLAND CORP BLVD SUITE 310 TAMPA, FL 33614 | EVEREST REINSURANCE COMPANY | — | — | $0 | 0.00% |
| EFG ASSOCIATES3 Filed as: EFG ASSOCIATES INC | 336 ATLANTIC AVENUE EAST ROCKAWAY, NY 11518 | AFLAC | $22K | — | $22K | 7.18% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $15K | $812 | $16K | 5.11% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST. SUITE # 8C NEW YORK, NY 10005 | AFLAC | $7K | $290 | $7K | 2.26% |
| ILANA A IZSAK | 1498 KEW AVENUE HEWLETT, NY 11557 | AFLAC | $6K | $593 | $7K | 2.17% |
| MARK LUCIANI | 48 FAIRVIEW AVE PARK RIDGE, NJ 07656 | AFLAC | $3K | — | $3K | 0.90% |
| BRIAN MILLER3 | 52 COURT ST. FREEHOLD, NJ 07728 | AFLAC | $2K | — | $2K | 0.63% |
| ANDREW HENRY3 | 316 E WALNUT STREET LONG BEACH, NY 11561 | AFLAC | $612 | — | $612 | 0.20% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP APT. 6C NEW YORK, NY 10038 | AFLAC | $334 | $93 | $427 | 0.14% |
| DOUGLAS MEIER Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $173 | — | $173 | 0.06% |
| CESACO LLC3 | 1619 43RD STREET BROOKLYN, NY 11204 | AFLAC | $161 | — | $161 | 0.05% |
| JILL LISA RAPPAPORT Filed as: JILL LISA RAPAPORT | 46A WINDSOR PL BROOKLYN, NY 11215 | AFLAC | $141 | — | $141 | 0.05% |
| ANGELA MONTENEGRO | 74 HILLANDALE DR NEW ROCHELLE, NY 10804 | AFLAC | $118 | — | $118 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: ELMER BROWN | 212 E 112TH ST APT 1 NEW YORK, NY 10029 | AFLAC | $106 | — | $106 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WENDY BROWN | 5531 CHEERFUL LN CHARLOTTE, NC 28215 | AFLAC | $105 | — | $105 | 0.03% |
| LILLIAN TOMPKINS | 100 STONY BROOK CT NEWBURGH, NY 12550 | AFLAC | $56 | — | $56 | 0.02% |
| ALBERT BRUCKNER3 | 3018 BROADWAY APT 2E ASTORIA, NY 11106 | AFLAC | $52 | — | $52 | 0.02% |
| IVAN M SERVAIS3 Filed as: IVAN M. SERVAIS | 14 WALL STREET STE 8C NEW YORK, NY 10005 | AFLAC | $52 | — | $52 | 0.02% |
| DONALD BUDDE3 | 16 RIVERSIDE AVENUE UNIT A AMITYVILLE, NY 11701 | AFLAC | $40 | — | $40 | 0.01% |
| KOBER ASSOCIATES LLC | 57-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $30 | — | $30 | 0.01% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD. HUNTINGTON, NY 11743 | AFLAC | $22 | — | $22 | 0.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER | 40 MARCUS DR FLOOR 3 MELVILLE, NY 11747 | AFLAC | $18 | — | $18 | 0.01% |
| AMERICAN TEL-TEK INC. | 2385 WOODHULL AVE BRONX, NY 10469 | AFLAC | $17 | — | $17 | 0.01% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR. HUNTINGTON, NY 11743 | AFLAC | $16 | — | $16 | 0.01% |
| MCINERNEY GROUP LLC | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $13 | — | $13 | 0.00% |
| THOMAS J. LAVECCHIA Filed as: THOMAS J LAVECCHIA | 5 DIVISION ST BRICK, NJ 08724 | AFLAC | $11 | — | $11 | 0.00% |
| SUNIL RIHAL | 1111 MARCUS AVE STE 100 NEW HYDE PARK, NY 11042 | AFLAC | $10 | — | $10 | 0.00% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD. GARDEN CITY, NY 11530 | AFLAC | $9 | — | $9 | 0.00% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $7 | — | $7 | 0.00% |
| CHANI ADOLF3 | 1619 43RD STREET BROOKLYN, NY 11204 | AFLAC | $5 | — | $5 | 0.00% |
| FRANCIS JOSEPH KEENOY | 3130 KINGSBRIDGE AVE APT 302A BRONX, NY 10463 | AFLAC | $4 | — | $4 | 0.00% |
| KEVIN MCCARTHY | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $4 | — | $4 | 0.00% |
| LEONARD D'ALBERTI3 | 21 WOODHULL CT. NORTHPORT, NY 11768 | AFLAC | $3 | — | $3 | 0.00% |
| TOMAS E FLORES | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $2 | — | $2 | 0.00% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD. SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $1 | — | $1 | 0.00% |
| KEITH LEPACK | 1991 BROADWAY APT 12B NEW YORK, NY 10023 | AFLAC | $1 | — | $1 | 0.00% |
| LEADING EDGE ADMINISTRATORS | 14 WALL STREET SUITE 5B NEW YORK, NY 10005 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $96K | $96K | — |
| EFG ASSOCIATES | 2706 AVENUE N BROOKLYN, NY 11210 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $57K | $57K | — |
| ANTHEM INSURANCE COMPANIES, INC. Filed as: ANTHEM | 1 PENN PLAZA NEW YORK, NY 10119 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $11K | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 23-7391136 CLAIMS PROCESSING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing; Other services Service code 12 | — | $53K |
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 | $310K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 115 | $385K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.