| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AETNA LIFE INSURANCE COMPANY | $72K | $9K | $81K | 2.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $2K | $11K | 6.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE JERICHO PLAZA SUITE 200 JERICHO, NY 11753 | HM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.00% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP | 270 MUNOZ RIVERA, PH 1 SAN JUAN, PR 00918 | MCS LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS | $479 | $64 | $543 | 11.34% |
| BARBARA FONTI3 | 223 WALL STREET SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $548 | $0 | $548 | 12.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AFLAC | $511 | $0 | $511 | 11.83% |
| WILLIAM WHICHER3 Filed as: WILLIAM H. WHICHER | ONE LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $272 | $0 | $272 | 6.30% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $172 | $0 | $172 | 3.98% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER, INC. | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $13 | $0 | $13 | 0.30% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $9 | $0 | $9 | 0.21% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI AND OTHER AGENTS | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | $0 | $6 | 0.14% |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 495 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 284 | $218K |
| Vision | HM LIFE INSURANCE COMPANY | 292 | $34K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 366 | $166K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 366 | $166K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 366 | $166K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 495 | $2.8M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 366 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.