| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | SVCS 12404 PARK CENTRAL DR DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | 700 W 47TH ST STE 100 KANSAS CITY, MO 64112 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $3K | $3K | 4.07% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | 700 W 47TH ST STE 100 KANSAS CITY, MO 64112 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $3K | $3K | 4.17% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | 700 W 47TH ST STE 100 KANSAS CITY, MO 64112 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 3.98% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $1K | $89 | $1K | 5.28% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE AGENCY | 18 N FRANKLIN BLVD PLEASANTVILLE, NJ 08232 | AFLAC | $1K | — | $1K | 4.43% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $372 | $13 | $385 | 1.37% |
| BARBARA A. MEYER3 Filed as: BARBARA A MEYER | 6 HICKORY LN LEVITTOWN, NY 11756 | AFLAC | $296 | — | $296 | 1.06% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DR APT 4A BAYSIDE, NY 11360 | AFLAC | $250 | — | $250 | 0.89% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $242 | — | $242 | 0.86% |
| LADMAR ASSOCIATES LLC3 | 150 MOTOR PKWY STE 207 HAUPPAUGE, NY 11788 | AFLAC | $220 | — | $220 | 0.79% |
| BRADLEY S RUPPEL3 | 70 VICTORIA DR HILTON HEAD ISLAND, SC 29926 | AFLAC | $138 | — | $138 | 0.49% |
| ELLIOTT S FRANKEL3 | 3469 LAWRENCE AVE OCEANSIDE, NY 11572 | AFLAC | $92 | — | $92 | 0.33% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $80 | — | $80 | 0.29% |
| S BEIN INC3 | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $62 | — | $62 | 0.22% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $57 | — | $57 | 0.20% |
| PAMELA H ROBERTS3 | 3813 HUNTERS RUN LN MATTHEWS, NC 28105 | AFLAC | $44 | — | $44 | 0.16% |
| KEVIN WRIGHT3 | 118 NORRIS DR WATERLOO, NY 13165 | AFLAC | $30 | — | $30 | 0.11% |
| ROSANN M CURRAN3 | 1536 RIDGE RD QUEENSBURY, NY 12804 | AFLAC | $24 | — | $24 | 0.09% |
| JM BRASSILL GROUP INC3 | 1 HUNTINGTON QUAD STE 1S07 MELVILLE, NY 11747 | AFLAC | $22 | — | $22 | 0.08% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 150 MOTOR PKWY STE 207 HAUPPAUGE, NY 11788 | AFLAC | $21 | — | $21 | 0.07% |
| NICHOLAS CALARCO3 | 120 E WASHINGTON ST STE 822 SYRACUSE, NY 13202 | AFLAC | $18 | — | $18 | 0.06% |
| PATRICIA ANN GRECO CAVALLARO3 | 83 WICHARD BLVD COMMACK, NY 11725 | AFLAC | $18 | — | $18 | 0.06% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $15 | — | $15 | 0.05% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $14 | — | $14 | 0.05% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $13 | — | $13 | 0.05% |
| DOMENICO V MAUTARELLI3 | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $13 | — | $13 | 0.05% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $12 | — | $12 | 0.04% |
| TODD BURKE3 | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $7 | — | $7 | 0.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HWY STE 1015W HOLBROOK, NY 11741 | AFLAC | $7 | — | $7 | 0.02% |
| LISA J BRENNAN-JONES3 | 29 OAK LN LAKE GEORGE, NY 12845 | AFLAC | $6 | — | $6 | 0.02% |
| DON'T SWEAT LIFE INC3 | 160 MIDDLE NECK RD APT 3B GREAT NECK, NY 11021 | AFLAC | $5 | — | $5 | 0.02% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $5 | — | $5 | 0.02% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $4 | — | $4 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.00% |
| CHERYL A ROTONDI3 | 70 BEACON ST BALLSTON SPA, NY 12020 | AFLAC | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | 700 W 47TH ST STE 100 KANSAS CITY, MO 64112 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $365 | $365 | 3.97% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INSURANCE SVCS | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $297 | — | $297 | 17.03% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 212 | $2.7M |
| Dental | AETNA LIFE INSURANCE CO. | 257 | $102K |
| Vision | AETNA LIFE INSURANCE CO. | 257 | $102K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 162 | $65K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 173 | $76K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 162 | $78K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 162 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.