| 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 ESTATE, CA 90274 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 12.82% |
| KEVIN M RICE3 Filed as: KEVIN MICHAEL RICE AND OTHER AGENTS | 529 EDINBURGH WAY DOTHAN, AL 36305 | AFLAC | $3K | $114 | $3K | 6.76% |
| MICHAEL J MCNAUGHTON3 Filed as: MICHAEL J. MCNAUGHTON | 333 JB RATCLIFF RAOD RAYVILLE, LA 71269 | AFLAC | $1K | $0 | $1K | 2.69% |
| MICHAEL J MCNAUGHTON3 Filed as: MICHAEL J. MCNAUGHTON | 337 JOEFFIE ROAD GRANT, AL 35747 | AFLAC | $1K | $0 | $1K | 2.69% |
| AMBER D STEIN3 Filed as: AMBER D. STEIN | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $960 | $106 | $1K | 2.63% |
| RHOLAN CHAN WONG3 | 2825 TILDEN AVENUE LOS ANGELES, CA 90064 | AFLAC | $657 | $0 | $657 | 1.62% |
| LINDA M NAPOLI3 Filed as: LINDA M. NAPOLI | 5335 YARMOUTH AVENUE APARTMENT 106 ENCINO, CA 91316 | AFLAC | $512 | $0 | $512 | 1.26% |
| PATRICIA GAIL LEES3 | 6055 EAST WASHINGTON BOULEVARD SUITE 210 COMMERCE, CA 90040 | AFLAC | $359 | $15 | $374 | 0.92% |
| S AND K FINANCIAL AND INS. SVC. INC3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATE, CA 90274 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.46% |
| TIMOTHY L. PENNEY3 | 273 BUFFALO AVENUE, APARTMENT 2E BROOKLYN, NY 11213 | AFLAC | $40 | $0 | $40 | 3.21% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $31 | $0 | $31 | 2.49% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $15 | $0 | $15 | 1.20% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $12 | $0 | $12 | 0.96% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 12 SAINT THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $12 | $0 | $12 | 0.96% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $6 | $0 | $6 | 0.48% |
| MCINERNEY GROUP LLC3 Filed as: MCINERNEY GROUP, LLC | 580 WHITE PLANS ROAD, SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $2 | $0 | $2 | 0.16% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 47 | $42K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $37K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $168K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $168K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $126K |
| Prescription drug(2 contracts) | AFLAC | 47 | $42K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.