| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP WHOLESALE INSURANCE SERVICES LLC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $14K | $966 | $15K | 1.43% |
| MEDLINK INC3 | PO BOX 23570 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$293 | — | -$293 | -0.03% |
| EMERSON REID LLC3 | 1787 SENTRY PARKKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $15K | $40K | 8.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR KRENZEL LETT INS GROUP LLC | — | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $9K | — | $9K | 2.97% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | SUN LIFE OF CANADA | $22K | — | $22K | 10.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $312 | $3K | 6.07% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.21% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $1K | — | $1K | 3.76% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $778 | — | $778 | 2.25% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $547 | $192 | $739 | 2.14% |
| THOMAS P MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $462 | — | $462 | 1.34% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $350 | $104 | $454 | 1.31% |
| THOMAS W BOSTON3 Filed as: THOMAS J KOLAKOWSKI | 397 HOLLY DRIVE EAST NORTHPORT, NY 11731 | AFLAC | $162 | $159 | $321 | 0.93% |
| LINDA W OLGUIN3 Filed as: LINDA SARFATI | 2815 SCHOOL STREET BELLMORE, NY 11710 | AFLAC | $160 | $142 | $302 | 0.87% |
| PEREGRINE CONSULTING LLC3 | 162 BODINE ROAD BERWYN, PA 19312 | AFLAC | $223 | — | $223 | 0.64% |
| TAMIKA M OXFORD3 | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $124 | $57 | $181 | 0.52% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J TARI | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $87 | $90 | $177 | 0.51% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $87 | $90 | $177 | 0.51% |
| CLEMENT R HEFFEZ3 | 2528 LEGION STREET BELLMORE, NY 11710 | AFLAC | $82 | $90 | $172 | 0.50% |
| KARYN NICOLE MCMILLAN-SALMON3 | 15598 BAYVIEW AVENUE ROSEDALE, NY 11422 | AFLAC | $78 | $56 | $134 | 0.39% |
| JACQUELINE ROTH3 | 1600 GRAND AVENUE APARTMENT Q2 NORTH BALDWIN, NY 11510 | AFLAC | $92 | $22 | $114 | 0.33% |
| SHAUN M KLUG3 Filed as: SHAUN TOMPKINS | 251 LAKEVIEW AVENUE ROCKVILLE CENTRE, NY 11570 | AFLAC | $35 | $71 | $106 | 0.31% |
| SHAUN T KONIOR3 | 31 STRATFORD FARMINGDALE, NY 11735 | AFLAC | $34 | $37 | $71 | 0.21% |
| DANIEL STAUB3 | 72 CURLEY STREET LONGBEACH, NC 11561 | AFLAC | $60 | — | $60 | 0.17% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $30 | $23 | $53 | 0.15% |
| J DAVID AND ASSOCIATES INC3 | 35 PINELAWN ROAD SUITE 190 MELVILLE, NY 11747 | AFLAC | $28 | $23 | $51 | 0.15% |
| WILLIAM WHICHER3 | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $22 | $29 | $51 | 0.15% |
| ALEXANDRA LLANO3 Filed as: ALEXANDRA CZAPLICKI | 42 PRESCOTT STREET GARDEN CITY, NY 11530 | AFLAC | $20 | $30 | $50 | 0.14% |
| KARL A HAMILTON3 | 240 32B OAK PARKER DRIVE DOUGLASTON, NY 11362 | AFLAC | $40 | — | $40 | 0.12% |
| KARL A HAMILTON3 | 240 32B OAK PARK DRIVE DOUGLASTON, NY 11362 | AFLAC | $33 | — | $33 | 0.10% |
| JACQUELINE HELENE FAN3 | 80 NORTH CENTRE AVENUE PH 416 ROCKVILLE CENTRE, NY 11570 | AFLAC | $5 | — | $5 | 0.01% |
| JACQUELINE HELENE FAN3 | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $1 | — | $1 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $2K | $5K | 14.31% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 669 RIVER DRIVE CENTER II #305 ELMWOOD PARK, NY 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.28% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $1K | — | $1K | 7.73% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $268 | $362 | $630 | 4.86% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J TARI | 1179 WEBBER AVENUE SOUTH HAMPSTEAD, NY 11550 | AFLAC | $271 | — | $271 | 2.09% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $257 | $6 | $263 | 2.03% |
| THOMAS P MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $232 | — | $232 | 1.79% |
| COLVIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $120 | $28 | $148 | 1.14% |
| PEREGRINE CONSULTING LLC3 | 162 BODINE ROAD BERWYN, PA 19312 | AFLAC | $104 | — | $104 | 0.80% |
| WILLIAM WHICHER3 | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $52 | — | $52 | 0.40% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 4312 GRANDA STREET ALEXANDRIA, VA 22309 | AFLAC | $16 | — | $16 | 0.12% |
| JOHN C KAUTTER3 | 14155 NEWBROOK DRIVE SUITE 130 CHANTILLY, VA 20151 | AFLAC | $9 | — | $9 | 0.07% |
| DIVYA JAIN3 | 14155 NEWBROOK DRIVE SUITE 130 CHANTILLY, VA 20151 | AFLAC | $5 | — | $5 | 0.04% |
| INSURANCE BROKERAGE ALTERNATIVE3 Filed as: INSURANCE BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 02110 | OPTIMA ADVANTAGE POS M/C | $12K | — | $12K | 164.09% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $127 | — | $127 | 3.39% |
| VALERIE MARQUEZ BLANCO3 | 12110 SOUTHWEST 105TH TERRACE MIAMI, FL 33186 | AFLAC | $80 | $19 | $99 | 2.65% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $49 | $11 | $60 | 1.60% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $57 | — | $57 | 1.52% |
| THOMAS MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $44 | — | $44 | 1.18% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J TARI | 1179 WEBBER AVENUE SOUTH HAMPSTEAD, NY 11550 | AFLAC | $24 | $15 | $39 | 1.04% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $24 | $15 | $39 | 1.04% |
| TAMIKA M OXFORD3 | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $38 | — | $38 | 1.02% |
| ARNOLD NEIMANIS3 | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $13 | $19 | $32 | 0.86% |
| PEREGRINE CONSULTING LLC3 | 162 BODINE ROAD BERWYN, PA 19312 | AFLAC | $16 | — | $16 | 0.43% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $12 | — | $12 | 0.32% |
| WILLIAM WHICHER3 | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $5 | $5 | $10 | 0.27% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $6 | $3 | $9 | 0.24% |
| SHAUN T KONIOR3 | 31 STRATFORD GARDEN FARMINGDALE, NY 11735 | AFLAC | $4 | $3 | $7 | 0.19% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | AFLAC | $181 | — | $181 | 8.33% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J TARI | 1179 WEBBER AVENUE SOUTH HAMPSTEAD, NY 11550 | AFLAC | $47 | — | $47 | 2.16% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $47 | — | $47 | 2.16% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $47 | — | $47 | 2.16% |
| THOMAS P MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $42 | — | $42 | 1.93% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $27 | — | $27 | 1.24% |
| PEREGRINE CONSULTING LLC3 | 162 BODINE ROAD BERWYN, PA 19312 | AFLAC | $17 | — | $17 | 0.78% |
| WILLIAM WHICHER3 | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $9 | — | $9 | 0.41% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | -$590 | — | -$590 | — |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $2K | — | $2K | — |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $3K | — | $3K | — |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $5K | — | $5K | — |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $9K | — | $9K | — |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $33K | — | $33K | — |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $82K | — | $82K | — |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 296 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $450K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 461 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $48K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $450K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE OF CANADA | 84 | $273K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.