| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AETNA LIFE INSURANCE COMPANY | $79K | $17K | $96K | 3.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN NEW YORK, NY 10022 | AETNA LIFE INSURANCE COMPANY | — | $115 | $115 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $1K | $11K | 6.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 485 UNDERHILL BOULEVARD, SUITE 304 SYOSSET, NY 11791 | HM LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11530 | AFLAC | $555 | — | $555 | 8.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AFLAC | $329 | — | $329 | 4.83% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER, INC. | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $107 | — | $107 | 1.57% |
| WILLIAM WHICHER3 Filed as: WILLIAM H. WHICHER | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $66 | — | $66 | 0.97% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $48 | — | $48 | 0.70% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: RUHLE RISK MANAGEMENT | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $46 | — | $46 | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 21.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $52 | — | $52 | 1.05% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | METROPOLITAN LIFE INSURANCE COMPANY | $46 | — | $46 | 0.93% |
| HENRY MOYER3 Filed as: HENRY MOYER JR. | 35 EAST 75TH, APARTMENT 15D NEW YORK, NY 10021 | METROPOLITAN LIFE INSURANCE COMPANY | $29 | — | $29 | 0.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS | $356 | $41 | $397 | 10.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | HYATT LEGAL PLANS | — | $62 | $62 | 1.59% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 484 | $3.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 484 | $3.0M |
| Vision | HM LIFE INSURANCE COMPANY | 474 | $47K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 348 | $175K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 348 | $175K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 348 | $180K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 484 | $3.0M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 348 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.