| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $60K | $0 | $60K | 2.06% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY | ONE EMPIRE DRIVE RENSSELAER, NY 12144 | AETNA LIFE INSURANCE COMPANY | $60K | $0 | $60K | 2.06% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY, INC. | ONE EMPIRE DRIVE RENSSELAER, NY 12144 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $0 | $13K | 7.60% |
| CHRISTIAN M TULLY3 Filed as: CHRISTIAN M. TULLY | 154 LAUREL ROAD EAST NORTHPORT, NY 11731 | AFLAC | $2K | $203 | $2K | 6.25% |
| DAVID CUNNEELY3 Filed as: DAVID CUNNEELY AND OTHER AGENTS | 7149 METROPOLITAN AVENUE APARTMENT 2D MIDDLE VILLAGE, NY 11379 | AFLAC | $2K | $17 | $2K | 4.70% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $608 | $46 | $654 | 1.80% |
| JAICYN SIMPSON3 | 13726 BEDELL STREET SPRINGFIELD GARDENS, NY 11413 | AFLAC | $538 | $25 | $563 | 1.55% |
| BARBARA A. MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $447 | $0 | $447 | 1.23% |
| BIANCA SHANDS-CAYENNE3 | 98 POND HILL ROAD GREAT NECK, NY 11020 | AFLAC | $317 | $0 | $317 | 0.87% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $203 | $0 | $203 | 0.56% |
| RICHARD PETERSON3 Filed as: RICHARD PETERSON AND OTHER AGENTS | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $589 | — | $589 | 5.93% |
| CHRISTIAN M TULLY3 Filed as: CHRISTIAN M. TULLY | 154 LAUREL ROAD EAST NORTHPORT, NY 11731 | AFLAC | $248 | — | $248 | 2.50% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $183 | $0 | $183 | 1.84% |
| MICHAEL GOLDSTEIN3 | 8823 RHEIMS ROAD BOCA RATON, FL 33496 | AFLAC | $109 | $0 | $109 | 1.10% |
| BARBARA A. MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $99 | $0 | $99 | 1.00% |
| DAVID CUNNEELY3 | 7149 METROPOLITAN AVENUE APARTMENT 2D MIDDLE VILLAGE, NY 11379 | AFLAC | $74 | — | $74 | 0.75% |
| JAICYN SIMPSON3 | 13726 BEDELL STREET SPRINGFIELD GARDENS, NY 11413 | AFLAC | $74 | — | $74 | 0.75% |
| DAVID CUNNEELY3 | 7149 METROPOLITAN AVENUE APARTMENT 2D MIDDLE VILLAGE, NY 11379 | AFLAC | $516 | $28 | $544 | 8.47% |
| CHRISTIAN M TULLY3 Filed as: CHRISTIAN M. TULLY | 154 LAUREL ROAD EAST NORTHPORT, NY 11731 | AFLAC | $407 | $38 | $445 | 6.93% |
| SEAN FX GLEASON LLC3 Filed as: SEAN FX GLEASON, LLC & OTHER AGENTS | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $226 | — | $226 | 3.52% |
| JAICYN SIMPSON3 | 13726 BEDELL STREET SPRINGFIELD GARDENS, NY 11413 | AFLAC | $157 | $10 | $167 | 2.60% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $121 | $20 | $141 | 2.20% |
| BARBARA A. MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $114 | $0 | $114 | 1.78% |
| JEANNE CHEWLIN3 | 10769 11TH STREET SOUTH RICHMOND HILL, NY 11419 | AFLAC | $82 | $23 | $105 | 1.64% |
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 | 375 | 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) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 579 | $2.9M |
| Dental(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 579 | $3.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 579 | $2.9M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 375 | $169K |
| Short-term disability(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 375 | $221K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 375 | $169K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 579 | $2.9M |
| Other(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 547 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.