| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 60614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | $0 | $59K | 7.84% |
| RICHARD E COTE3 Filed as: RICHARD E. COTE | 81 MARVELLE ROAD FAYETTEVILLE, NY 13066 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 2.40% |
| DONALD E BURNS3 Filed as: DONALD E. BURNS | 504 MAPLE DRIVE FAYETTEVILLE, NY 13066 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 1.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $146 | $3K | 10.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $96 | $96 | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $26 | $26 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 60614 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $26 | $26 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| CATHERINE ANN KOAHOU3 | 5936 NW CENTER STREET PORT ST. LUCIE, FL 34986 | AFLAC | $511 | $105 | $616 | 4.79% |
| JODI ELLEN COLEMAN3 | 3849 SE LEE STREET STUART, FL 34997 | AFLAC | $272 | $90 | $362 | 2.81% |
| ASHLEY EMPOWERMENT SERVICES, INC.3 | 8201 SOUTH INDIAN RIVER DRIVE FORT PIERCE, FL 34982 | AFLAC | $261 | $0 | $261 | 2.03% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD R. KIMBROUGH | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $78 | $0 | $78 | 0.61% |
| BONNETT AND ASSOCIATES LLC3 | 1105 NE 5TH TERRACE, APARTMENT 3 FORT LAUDERDALE, FL 33304 | AFLAC | $58 | $14 | $72 | 0.56% |
| ZORAIDA ROSADO3 | 5203 SE 43RD TERRACE OKEECHOBEE, FL 34974 | AFLAC | $24 | $0 | $24 | 0.19% |
| BONNETT AND ASSOCIATES LLC3 | 4 OAK STREET, UNIT 102 COCOA, FL 32922 | AFLAC | $9 | $6 | $15 | 0.12% |
| JACQUELYN WILLIAMS3 | 684 TAYLOR HILL ROAD GRANVILLE, NY 12832 | AFLAC | $2K | $0 | $2K | 17.53% |
| CHARLENE J BECKER3 Filed as: CHARLENE J. BECKER | 737 MIDDLELINE ROAD BALLSTON SPA, NY 12020 | AFLAC | $355 | $0 | $355 | 3.48% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $294 | $0 | $294 | 2.88% |
| KELLY A IRVINE3 Filed as: KELLY A. IRVINE | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $57 | $0 | $57 | 0.56% |
| TRACEY CUTLER3 | 31 FREDERICK DRIVE FORT EDWARD, NY 12828 | AFLAC | $26 | $0 | $26 | 0.26% |
| RANID E. RIVA3 | 340 WEST PALMETTO PARK ROAD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $3 | $0 | $3 | 0.03% |
| TAI ST JOHN3 Filed as: TAI ST. JOHN AND OTHER AGENTS | 13 VINCEK LANE SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | $0 | $2 | 0.02% |
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 | 1,138 | 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) | 1,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,000 | $757K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,000 | $757K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,061 | $754K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,061 | $754K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,061 | $754K |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,138 | $807K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,000 | — |
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.