| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S BEIN INC3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $11K | $262 | $12K | 6.50% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $2K | $86 | $2K | 1.40% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $2K | — | $2K | 1.05% |
| SHARON MARGULIES3 | 1429 WILSON ROAD EAST MEADOW, NY 11554 | AFLAC | $2K | — | $2K | 1.03% |
| SUSAN SPORN3 | P.O. BOX 404 SYOSSET, NY 11791 | AFLAC | $2K | — | $2K | 1.03% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFIT GROUP LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | AFLAC | $2K | — | $2K | 0.93% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $1K | $66 | $2K | 0.86% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $1K | — | $1K | 0.67% |
| STEPHEN WHITE3 | 214-25 42ND AVE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $1K | — | $1K | 0.62% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DR JERICHO, NY 11753 | AFLAC | $802 | — | $802 | 0.45% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $522 | — | $522 | 0.29% |
| JACK KOHEN3 | 45 RUGBY ROAD ROSLYN HEIGHTS, NY 11577 | AFLAC | $360 | — | $360 | 0.20% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $275 | — | $275 | 0.15% |
| FRANK R GASTELUM3 | 7124 19TH AVE STE 507 BROOKLYN, NY 11204 | AFLAC | $217 | — | $217 | 0.12% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $176 | — | $176 | 0.10% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | AFLAC | $139 | — | $139 | 0.08% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BLVD. 4TH FLOOR ALBANY, NY 11211 | AFLAC | $120 | — | $120 | 0.07% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $101 | — | $101 | 0.06% |
| GREGORY E MEYER3 | 1582 RUNNING DEER DR. KERNERSVILLE, NC 27284 | AFLAC | $67 | — | $67 | 0.04% |
| JEFFREY D SLATER3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $60 | — | $60 | 0.03% |
| LOUIS ORGERA3 Filed as: LOUIS P. ORGERA | 98 CUTTER MILL ROAD SUITE 273S GREAT NECK, NY 11021 | AFLAC | $33 | — | $33 | 0.02% |
| JAQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $28 | — | $28 | 0.02% |
| LESLIE J LARSON3 | 2538 INGLEWOOD STREET EAST MEADOW, NY 11554 | AFLAC | $28 | — | $28 | 0.02% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $27 | — | $27 | 0.02% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $12 | — | $12 | 0.01% |
| ROBIN BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $11 | — | $11 | 0.01% |
| MOHAMMED M SHERIFF | 888 MAIN STREET APT PH40 NEW YORK, NY 10044 | AFLAC | — | $10 | $10 | 0.01% |
| GARY DESTEFANO3 | 23 LEHIGH DRIVE SMITHTOWN, NY 11787 | AFLAC | $9 | — | $9 | 0.01% |
| BENEFITS ADVISORY SERVICE, INC3 Filed as: BENEFITS ADVISORY SERVICE INC | 70-20 108TH STREET 5P FOREST HILLS, NY 11375 | AFLAC | $7 | — | $7 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4520 VETERANS MEMORIAL HWY STE 1015 HOLBROOK, NY 11741 | AFLAC | $6 | — | $6 | 0.00% |
| DOMENICO V MAUTARELLI3 | P.O. BOX 767 MATTITUCK, NY 11952 | AFLAC | $4 | — | $4 | 0.00% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFIT GROUP LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 1.89% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 0.76% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $12K | $8K | $20K | 16.89% |
| S BEIN INC3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $8K | $59 | $8K | 7.99% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $2K | $12 | $2K | 1.65% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFIT GROUP LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | AFLAC | $1K | — | $1K | 1.15% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DR JERICHO, NY 11753 | AFLAC | $1K | — | $1K | 1.04% |
| SHARON MARGULIES3 | 1429 WILSON ROAD EAST MEADOW, NY 11554 | AFLAC | $907 | — | $907 | 0.88% |
| SUSAN SPORN3 | P.O. BOX 404 SYOSSET, NY 11791 | AFLAC | $907 | — | $907 | 0.88% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $744 | $12 | $756 | 0.73% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $717 | — | $717 | 0.69% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $470 | — | $470 | 0.46% |
| STEPHEN WHITE3 | 214-25 42ND AVE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $452 | — | $452 | 0.44% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | AFLAC | $148 | — | $148 | 0.14% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $132 | — | $132 | 0.13% |
| JACK KOHEN3 | 45 RUGBY ROAD ROSLYN HEIGHTS, NY 11577 | AFLAC | $131 | — | $131 | 0.13% |
| GREGORY E MEYER3 | 1582 RUNNING DEER DR. KERNERSVILLE, NC 27284 | AFLAC | $120 | — | $120 | 0.12% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $107 | — | $107 | 0.10% |
| LOUIS ORGERA3 Filed as: LOUIS P. ORGERA | 98 CUTTER MILL ROAD SUITE 273S GREAT NECK, NY 11021 | AFLAC | $75 | — | $75 | 0.07% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BLVD. 4TH FLOOR ALBANY, NY 12211 | AFLAC | $41 | — | $41 | 0.04% |
| WILLIAM J LOEFFERT3 | 555 BROAD HOLLOW RD SUITE 201 MELVILLE, NY 11747 | AFLAC | $23 | — | $23 | 0.02% |
| ROBIN BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $18 | — | $18 | 0.02% |
| AARON APPLEBAUM3 | 163-42 92ND STREET HOWARD BEACH, NY 11414 | AFLAC | $17 | — | $17 | 0.02% |
| THOMAS G GIORDANO3 | 139 CONCORD AVE OCEANSIDE, NY 11572 | AFLAC | $15 | — | $15 | 0.01% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $13 | — | $13 | 0.01% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $12 | — | $12 | 0.01% |
| INTERNATIONAL BENEFIT ADMIN, LLC | 100 GARDEN CITY PLAZA SUITE 102 GARDEN CITY, NY 11530 | AFLAC | $10 | — | $10 | 0.01% |
| MOHAMMED M SHERIFF3 | 888 MAIN STREET APT PH40 NEW YORK, NY 10044 | AFLAC | — | $9 | $9 | 0.01% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFIT GROUP LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | CIGNA | $3K | — | $3K | 2.75% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $8K | $5K | $13K | 17.03% |
| HEFFERNAN INSURANCE BROKERS | PO BOX 4006 WALNUT CREEK, CA 94596 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.30% |
| ASSUREDPARTNERS Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 9.70% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFIT GROUP LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | HIP | $1K | — | $1K | 3.98% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.26% |
| S BEIN INC3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $244 | — | $244 | 8.61% |
| SHARON MARGULIES3 | 1429 WILSON ROAD EAST MEADOW, NY 11554 | AFLAC | $56 | — | $56 | 1.98% |
| SUSAN SPORN3 | PO BOX 404 SYOSSET, NY 11791 | AFLAC | $56 | — | $56 | 1.98% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $34 | — | $34 | 1.20% |
| STEPHEN WHITE3 | 214-25 42ND AVE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $30 | — | $30 | 1.06% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $30 | — | $30 | 1.06% |
| JEFFREY D SLATER3 | 199 WATER STREET 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $22 | — | $22 | 0.78% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $17 | — | $17 | 0.60% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BLVD. 4TH FLOOR ALBANY, NY 12211 | AFLAC | $12 | — | $12 | 0.42% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $8 | — | $8 | 0.28% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | AFLAC | $7 | — | $7 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Claims processing Service code 12 | 499 WASHINGTON BLVD. JERSEY CITY, NJ 07310 | $125K |
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 | 2,431 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA | 609 | $93K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,431 | $293K |
| Long-term disability(6 contracts, 3 carriers) | AFLAC | 334 | $437K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 70 | $40K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,431 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,431 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.