| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 60614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | $0 | $54K | 7.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $8K | $17K | 2.33% |
| RICHARD E COTE3 Filed as: RICHARD E. COTE | 81 MARVELLE ROAD FAYETTEVILLE, NY 13066 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 2.24% |
| DONALD E BURNS3 Filed as: DONALD E. BURNS | 504 MAPLE DRIVE FAYETTEVILLE, NY 13066 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $68 | $3K | 10.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC. | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $167 | $167 | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF A MARSH AND MCLENNAN AGENCY | PARK 80 WEST SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $53 | $53 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $47 | $47 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCCLENNAN, LLC | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $12 | $12 | 0.04% |
| CATHERINE ANN KOAHOU3 | 5936 NW CENTER STREET PORT SAINT LUCIE, FL 34986 | AFLAC | $28 | $0 | $28 | 3.03% |
| ASHLEY EMPOWERMENT SERVICES, INC.3 | 8201 SOUTH INDIAN RIVER DRIVE FORT PIERCE, FL 34982 | AFLAC | $22 | $0 | $22 | 2.38% |
| JODI ELLEN COLEMAN3 | 3849 SE LEE STREET STUART, FL 34997 | AFLAC | $13 | $0 | $13 | 1.41% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD R. KIMBROUGH | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $6 | $0 | $6 | 0.65% |
| BONNETT AND ASSOCIATES LLC3 Filed as: BONNETT AND ASSOCIATES, LLC | 3243 SOUTH 92ND STREET UNIT 306 MILWAUKEE, WI 53227 | AFLAC | $4 | $0 | $4 | 0.43% |
| ZORAIDA ROSADO3 | 5203 SE 43RD TERRACE OKEECHOBEE, FL 34974 | AFLAC | $1 | $0 | $1 | 0.11% |
| JACQUELYN WILLIAMS3 | 684 TAYLOR HILL ROAD GRANVILLE, NY 12832 | AFLAC | $171 | $0 | $171 | 19.61% |
| CHARLENE J BECKER3 Filed as: CHARLENE J. BECKER | 737 MIDDLELINE ROAD BALLSTON SPA, NY 12020 | AFLAC | $34 | $0 | $34 | 3.90% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $28 | $0 | $28 | 3.21% |
| TRACEY CUTLER3 | 31 FREDERICK DRIVE FORT EDWARD, NY 12828 | AFLAC | $9 | $0 | $9 | 1.03% |
| KELLY A IRVINE3 Filed as: KELLY ANN IRVINE | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $6 | $0 | $6 | 0.69% |
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 | 1,072 | 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) | 1,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,013 | $748K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,013 | $748K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $713K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $713K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $713K |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,138 | $757K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,013 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.