| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S AND K FINANCIAL AND INS. SVC. INC3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 12.90% |
| RONALD J STEIN3 Filed as: RONALD STEIN AND OTHER AGENTS | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $1K | $22 | $1K | 4.01% |
| AMBER D STEIN3 Filed as: AMBER STEIN | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $1K | $93 | $1K | 3.65% |
| LINDA M NAPOLI3 Filed as: LINDA NAPOLI | 5335 YARMOUTH AVENUE APARTMENT 106 ENCINO, CA 91316 | AFLAC | $1K | $40 | $1K | 3.38% |
| RHOLAN WONG3 | 2825 TILDEN AVENUE LOS ANGELES, CA 90064 | AFLAC | $799 | $0 | $799 | 2.31% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $327 | $0 | $327 | 0.95% |
| KAREN M HUGHES3 Filed as: KAREN HUGHES | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $188 | $0 | $188 | 0.54% |
| DIANNE BRADLEY3 | 50 RIDGECREST DRIVE ARLINGTON, TN 38002 | AFLAC | $151 | $0 | $151 | 0.44% |
| S AND K FINANCIAL AND INS. SVC. INC3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.00% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TPKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $34 | $0 | $34 | 3.47% |
| TIMOTHY L. PENNEY3 Filed as: TIMOTHY PENNEY | 273 BUFFALO AVENUE APARTMENT 2E BROOKLYN, NY 11213 | AFLAC | $31 | $0 | $31 | 3.16% |
| KENNETH C MEIER CORP Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $17 | $0 | $17 | 1.73% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 12 SAINT THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $10 | $0 | $10 | 1.02% |
| MCCINERNEY GROUP, LLC3 | 580 WHITE PLAINS ROAD, SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $2 | $0 | $2 | 0.20% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 50 | $36K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $31K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 250 | $142K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 250 | $142K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 250 | $106K |
| Prescription drug(2 contracts) | AFLAC | 50 | $36K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 250 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.