| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: LISA-AN NEW WORLD ASSOCIATION INC | 445 BROAD HOLLOW ROAD, CL17 MELVILLE, NY 11747 | AFLAC | $7K | $0 | $7K | 4.62% |
| LORI ANN LOMBARDO3 | 15 LACKBARK LANE MEDFORD, NY 11763 | AFLAC | $6K | $906 | $7K | 4.31% |
| GAVIN MEIER3 | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | AFLAC | $4K | $206 | $4K | 2.76% |
| RICHARD PETERSON3 | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | AFLAC | $2K | $185 | $3K | 1.63% |
| EDWIN O'CONNOR3 Filed as: EDWIN O CONNOR | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $483 | $0 | $483 | 0.30% |
| PETER LOMBARDO3 | 15 LACEBARK LANE MEDFORD, NY 11763 | AFLAC | $165 | $0 | $165 | 0.10% |
| MJ INSURANCE3 Filed as: ROBERT M GUISTI AND VARIOUS AGENTS | 19908 28TH AVENUE FLUSHING, NY 11358 | AFLAC | $103 | $0 | $103 | 0.06% |
| LORI ANN LOMBARDO3 | 15 LACEBARK LANE MEDFORD, NY 11763 | AFLAC | $287 | $30 | $317 | 5.75% |
| GAVIN MEIER3 | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | AFLAC | $202 | $6 | $208 | 3.78% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | AFLAC | $97 | $6 | $103 | 1.87% |
| PETER LOMBARDO3 Filed as: PETER ANTHONY LOMBARDO | 15 LACEBARK LANE MEDFORD, NY 11763 | AFLAC | $38 | $0 | $38 | 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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts) | AFLAC | 165 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.