| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S BEIN INC3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $17K | $66 | $17K | 8.97% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $2K | $66 | $2K | 1.06% |
| SHARON MARGULIES3 | 1429 WILSON ROAD EAST MEADOW, NY 11554 | AFLAC | $2K | — | $2K | 0.94% |
| SUSAN SPORN3 | P.O. BOX 404 SYOSSET, NY 11791 | AFLAC | $2K | — | $2K | 0.94% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $2K | — | $2K | 0.89% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POPTOM PLAINS, NJ 07444 | AFLAC | $1K | — | $1K | 0.71% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $1K | — | $1K | 0.71% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE SUITE 200 WALNUT CREEK, CA 94596 | AFLAC | $1K | — | $1K | 0.70% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFIT GROUP LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | AFLAC | $1K | — | $1K | 0.61% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $1K | — | $1K | 0.61% |
| STEPHEN WHITE3 | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $1K | — | $1K | 0.56% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DR JERICHO, NY 11753 | AFLAC | $803 | — | $803 | 0.43% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $611 | — | $611 | 0.32% |
| JACK KOHEN3 | 303 MAIN ST APT 340 HEMPSTEAD, NY 11550 | AFLAC | $344 | — | $344 | 0.18% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $155 | $9 | $164 | 0.09% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | AFLAC | $128 | — | $128 | 0.07% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BLVD. 4TH FLOOR ALBANY, NY 11211 | AFLAC | $117 | — | $117 | 0.06% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $84 | $9 | $93 | 0.05% |
| GREGORY E MEYER3 | 1582 RUNNING DEER DR. KERNERSVILLE, NC 27284 | AFLAC | $70 | — | $70 | 0.04% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $49 | $9 | $58 | 0.03% |
| JEFFREY D SLATER3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $52 | — | $52 | 0.03% |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11554 | AFLAC | $39 | $9 | $48 | 0.03% |
| ROBIN BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $44 | — | $44 | 0.02% |
| LOUIS ORGERA3 Filed as: LOUIS P. ORGERA | 98 CUTTER MILL ROAD SUITE 273S GREAT NECK, NY 11021 | AFLAC | $31 | — | $31 | 0.02% |
| JAQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $26 | — | $26 | 0.01% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $25 | — | $25 | 0.01% |
| GARY DESTEFANO3 | 23 LEHIGH DRIVE SMITHTOWN, NY 11787 | AFLAC | $10 | — | $10 | 0.01% |
| BENEFITS ADVISORY SERVICE, INC3 Filed as: BENEFITS ADVISORY SERVICE INC | 70-20 108TH STREET 5P FOREST HILLS, NY 11375 | AFLAC | $8 | — | $8 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4520 VETERANS MEMORIAL HWY STE 1015 HOLBROOK, NY 11741 | AFLAC | $7 | — | $7 | 0.00% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAS SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $5 | — | $5 | 0.00% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO MAUTARELLI | P.O.BOX 767 MATTITUCK, NY 11952 | AFLAC | $4 | — | $4 | 0.00% |
| THE MEYER AGENCY LTD3 | P.O. BOX NAPLES, FL 34108 | AFLAC | $2 | — | $2 | 0.00% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $808 | $5K | 3.14% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | $3K | $10K | 8.07% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD STE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $2K | $7K | 5.93% |
| S BEIN INC3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $10K | $83 | $10K | 9.83% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $1K | — | $1K | 1.13% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $1K | $63 | $1K | 1.13% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $959 | — | $959 | 0.90% |
| SHARON MARGULIES3 | 1429 WILSON ROAD EAST MEADOW, NY 11554 | AFLAC | $858 | — | $858 | 0.81% |
| SUSAN SPORN3 | P.O. BOX 404 SYOSSET, NY 11791 | AFLAC | $858 | — | $858 | 0.81% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DR JERICHO, NY 11753 | AFLAC | $837 | — | $837 | 0.79% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $669 | — | $669 | 0.63% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE SUITE 200 WALNUT CREEK, CA 94596 | AFLAC | $663 | — | $663 | 0.62% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $659 | — | $659 | 0.62% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFIT GROUP LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | AFLAC | $639 | — | $639 | 0.60% |
| STEPHEN WHITE3 | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $424 | — | $424 | 0.40% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $410 | — | $410 | 0.39% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $140 | $7 | $147 | 0.14% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | AFLAC | $137 | — | $137 | 0.13% |
| JACK KOHEN3 | 303 MAIN ST APT 640 HAMPSTEAD, NY 11550 | AFLAC | $136 | — | $136 | 0.13% |
| GREGORY E MEYER3 | 1582 RUNNING DEER DR. KERNERSVILLE, NC 27284 | AFLAC | $120 | — | $120 | 0.11% |
| LOUIS ORGERA3 Filed as: LOUIS P. ORGERA | 98 CUTTER MILL ROAD SUITE 273S GREAT NECK, NY 11021 | AFLAC | $56 | — | $56 | 0.05% |
| ROBIN BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $56 | — | $56 | 0.05% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BLVD. 4TH FLOOR ALBANY, NY 12211 | AFLAC | $39 | — | $39 | 0.04% |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $31 | — | $31 | 0.03% |
| WILLIAM J LOEFFERT3 | 555 BROAD HOLLOW RD SUITE 201 MELVILLE, NY 11747 | AFLAC | $15 | — | $15 | 0.01% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $13 | — | $13 | 0.01% |
| AARON APPLEBAUM3 | 163-42 92ND STREET HOWARD BEACH, NY 11414 | AFLAC | $11 | — | $11 | 0.01% |
| THOMAS G GIORDANO3 | 139 CONCORD AVE OCEANSIDE, NY 11572 | AFLAC | $10 | — | $10 | 0.01% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $8 | — | $8 | 0.01% |
| INTERNATIONAL BENEFIT ADMIN, LLC3 | 100 GARDEN CITY PLAZA SUITE 102 GARDEN CITY, NY 11530 | AFLAC | $7 | — | $7 | 0.01% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $2 | — | $2 | 0.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE SUITE 200 WALNUT CREEK, CA 94596 | CIGNA | $3K | — | $3K | 3.25% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $2K | $6K | 8.22% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD STE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $1K | $4K | 5.78% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP LLC. | 35 PINELAWN RD STE 105E MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 11.44% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 8.56% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFIT GROUP LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | EMBLEM HIP | $2K | — | $2K | 4.52% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.00% |
| S BEIN INC3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $135 | — | $135 | 4.85% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE SUITE 200 WALNUT CREEK, CA 94596 | AFLAC | $57 | — | $57 | 2.05% |
| SHARON MARGULIES3 | 1429 WILSON ROAD EAST MEADOW, NY 11554 | AFLAC | $56 | — | $56 | 2.01% |
| SUSAN SPORN3 | PO BOX 404 SYOSSET, NY 11791 | AFLAC | $56 | — | $56 | 2.01% |
| STEPHEN WHITE3 | 214-25 42ND AVE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $30 | — | $30 | 1.08% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $30 | — | $30 | 1.08% |
| JEFFREY D SLATER3 | 199 WATER STREET 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $22 | — | $22 | 0.79% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $17 | — | $17 | 0.61% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BLVD. 4TH FLOOR ALBANY, NY 12211 | AFLAC | $12 | — | $12 | 0.43% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $8 | — | $8 | 0.29% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | AFLAC | $7 | — | $7 | 0.25% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $6 | — | $6 | 0.22% |
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 | 2,466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA | 518 | $82K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,297 | $300K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 323 | $71K |
| Long-term disability(6 contracts, 3 carriers) | AFLAC | 323 | $443K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,297 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,297 | — |
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.