| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI ANN LOMBARDO3 | 15 LACEBARK LANE MEDFORD, NY 11763 | AFLAC | $13K | $28 | $13K | 5.45% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: NEW WORLD ASSOC. INC. | 445 BROADHOLLOW ROAD STE CL17 MELVILLE, NY 11747 | AFLAC | $12K | — | $12K | 5.08% |
| GFM CORP3 Filed as: GFM CORPORATION | 1339 BELL BOULEVARD BAYSIDE, NY 11357 | AFLAC | $7K | — | $7K | 3.01% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $4K | $6 | $4K | 1.77% |
| EDWIN O'CONNOR3 Filed as: EDWIN OCONNOR | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $2K | — | $2K | 1.02% |
| PETER LOMBARDO3 | 15 LACEBARK LANE MEDFORD, NY 11763 | AFLAC | $2K | — | $2K | 0.92% |
| ROBERT M. GIUSTI3 | 19908 28TH AVENUE FLUSHING, NY 11358 | AFLAC | $563 | — | $563 | 0.24% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 152 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.