| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $111K | $2K | $113K | 4.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 13.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 5.00% |
| JEFFRECY C. NELSON3 | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AFLAC | $448 | $170 | $618 | 4.79% |
| JEANNINE MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AFLAC | $389 | $113 | $502 | 3.89% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER D. LEE | 837 SE COURANCES DRIVE PORT ST. LUCIE, FL 34984 | AFLAC | $141 | $38 | $179 | 1.39% |
| OLIVE SIMPLE BENEFIT SOLUTIONS LLC3 Filed as: OLIVE SIMPLE BEN. SOL. AND OTHERS | — | AFLAC | $173 | $0 | $173 | 1.34% |
| JAMIE PITTNER3 Filed as: JAMIE M. PITTNER | 2749 BURNING TREET LANE CLEARWATER, FL 33761 | AFLAC | $48 | $38 | $86 | 0.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 75373 | AFLAC | $65 | $0 | $65 | 0.50% |
| STEPHEN SNOW3 Filed as: STEPHEN P. SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | AFLAC | $59 | $0 | $59 | 0.46% |
| JOY E GUNDERSON3 Filed as: JOY E. GUNDERSON | 2824 SAINT ANDREWS ROAD FAIRFIELD, CA 94535 | AFLAC | $65 | $0 | $65 | 5.36% |
| LISA A MONTEDORE3 Filed as: LISA A. MONTEDORE | 24272 CATALUNA CIRCLE MISSION VIEJO, CA 92691 | AFLAC | $43 | $0 | $43 | 3.55% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $15 | $0 | $15 | 1.24% |
| THOMAS S GENTZ3 Filed as: THOMAS S. GENTZ | 3848 CHERRY BROOK LANE MASON, OH 45040 | AFLAC | $7 | $0 | $7 | 0.58% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT W. BLACKSHEAR | 108 ALSACE COURT POINTE VEDRA BEACH, FL 32082 | AFLAC | $3 | $0 | $3 | 0.25% |
| MJ INSURANCE3 Filed as: DALE IRA DAVIS AND VARIOUS AGENTS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $3 | $0 | $3 | 0.25% |
| BARRY MCPHERSON INC3 | 3928 IRONBARK WAY MCKINNEY, TX 75071 | AFLAC | $2 | $0 | $2 | 0.17% |
| MELANIE GARCIA3 | 2339 HARRISON STREET SCHENECTADY, NY 12306 | AFLAC | $14 | $0 | $14 | 3.15% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $9 | $0 | $9 | 2.02% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELVILLE, NY 11747 | AFLAC | $6 | $0 | $6 | 1.35% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $5 | $0 | $5 | 1.12% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $3 | — | $3 | 0.67% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $1 | $0 | $1 | 0.22% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 362 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 362 | $2.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 362 | $2.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 211 | $153K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 211 | $153K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 211 | $153K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 362 | $2.6M |
| Other(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 211 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.