| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD STE 105E MELVILLE, NY 11747 | CIGNA | $1K | — | $1K | 0.17% |
| FINANCIAL LIBERTY GROUP3 Filed as: FINANCIAL LIBERTY GROUP INC. | 115 BROADHOLLOW RD STE 375 MELVILLE, NY 11747 | EMBLEMHEALTH | $14K | — | $14K | 3.85% |
| S BEIN INC3 | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $19K | $502 | $20K | 9.26% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $3K | $130 | $3K | 1.23% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD STE 105E MELVILLE, NY 11747 | AFLAC | $2K | — | $2K | 1.08% |
| TODD J BURKE CORP3 | 401 E 80TH ST APT 6J NEW YORK, NY 10075 | AFLAC | $2K | — | $2K | 0.73% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $1K | — | $1K | 0.67% |
| SUSAN SPORN3 | PO BOX 404 SYOSSET, NY 11791 | AFLAC | $1K | — | $1K | 0.63% |
| SHARON MARGULIES3 | 1429 WILSON ROAD EAST MEADOW, NY 11554 | AFLAC | $1K | — | $1K | 0.63% |
| CHRISTIAN RIEGER STEARNS3 Filed as: CHRISTIAN STEARNS | 500 FASHION AVE 9TH FL NEW YORK, NY 10018 | AFLAC | $1K | — | $1K | 0.52% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $1K | — | $1K | 0.50% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $868 | — | $868 | 0.40% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DR EAST MEADOW, NY 11554 | AFLAC | $842 | — | $842 | 0.39% |
| STEPHEN WHITE3 | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $833 | — | $833 | 0.39% |
| ROBIN BEINHORN3 | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $588 | $175 | $763 | 0.36% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DR JERICHO, NY 11753 | AFLAC | $694 | — | $694 | 0.32% |
| EVAN DANIELE3 | 263 E PLEASANTVIEW AVE APT 2 HACKENSACK, NJ 07601 | AFLAC | $320 | — | $320 | 0.15% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $276 | — | $276 | 0.13% |
| JACK KOHEN3 | PO BOX 113 ROSLYN HEIGHTS, NY 11577 | AFLAC | $254 | — | $254 | 0.12% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE STE 200 WALNUT CREEK, CA 94596 | AFLAC | $210 | — | $210 | 0.10% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $129 | — | $129 | 0.06% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | AFLAC | $96 | — | $96 | 0.04% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $95 | — | $95 | 0.04% |
| DAVID STEIN3 | 1969 W 5TH ST APT 8D BROOKLYN, NY 11223 | AFLAC | $50 | — | $50 | 0.02% |
| JEFFREY D SLATER3 Filed as: JEFFREY SLATER | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $49 | — | $49 | 0.02% |
| LOUIS ORGERA3 | 585 STEWART AVE STE 414 GARDEN CITY, NY 11530 | AFLAC | $46 | — | $46 | 0.02% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $45 | — | $45 | 0.02% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $26 | — | $26 | 0.01% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $25 | — | $25 | 0.01% |
| GREGORY E MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $24 | — | $24 | 0.01% |
| RICHARD PETERSON3 | 14107 20TH AVENUE STE 507 WHITESTONE, NY 11357 | AFLAC | $23 | — | $23 | 0.01% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $16 | — | $16 | 0.01% |
| GARY DESTEFANO3 | 23 LEHIGH DR SMITHTOWN, NY 11787 | AFLAC | $9 | — | $9 | 0.00% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $7 | — | $7 | 0.00% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $7 | — | $7 | 0.00% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HWY STE 1015W HOLBROOK, NY 11741 | AFLAC | $6 | — | $6 | 0.00% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $6 | — | $6 | 0.00% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $4 | — | $4 | 0.00% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $4 | — | $4 | 0.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD STE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 2.56% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD STE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $12K | $5K | $17K | 14.00% |
| S BEIN INC3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $8K | $157 | $8K | 9.10% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD STE 105E MELVILLE, NY 11747 | AFLAC | $1K | — | $1K | 1.31% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $962 | $32 | $994 | 1.10% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DR EAST MEADOW, NY 11554 | AFLAC | $851 | — | $851 | 0.94% |
| TODD J BURKE CORP3 | 401 E 80TH ST APT 6J NEW YORK, NY 10075 | AFLAC | $745 | — | $745 | 0.82% |
| SUSAN SPORN3 | PO BOX 404 SYOSSET, NY 11791 | AFLAC | $626 | — | $626 | 0.69% |
| SHARON MARGULIES3 | 1429 WILSON RD EAST MEADOW, NY 11554 | AFLAC | $626 | — | $626 | 0.69% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DR JERICHO, NY 11753 | AFLAC | $513 | — | $513 | 0.57% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE STE 507 WHITESTONE, NY 11357 | AFLAC | $507 | — | $507 | 0.56% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE STE 312 GARDEN CITY, NY 11530 | AFLAC | $481 | — | $481 | 0.53% |
| STEPHEN WHITE3 | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $350 | — | $350 | 0.39% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $282 | — | $282 | 0.31% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $169 | — | $169 | 0.19% |
| CHRISTIAN RIEGER STEARNS3 Filed as: CHRISTIAN STEARNS | 500 FASHION AVE 9TH FL NEW YORK, NY 10018 | AFLAC | $156 | — | $156 | 0.17% |
| JACK KOHEN3 | PO BOX 113 ROSLYN HEIGHTS, NY 11577 | AFLAC | $112 | — | $112 | 0.12% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | AFLAC | $100 | — | $100 | 0.11% |
| EVAN DANIELE3 | 263 E PLEASANTVIEW AVE APT 2 HACKENSACK, NJ 07601 | AFLAC | $84 | — | $84 | 0.09% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $67 | — | $67 | 0.07% |
| ROBIN BEINHORN3 | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $67 | — | $67 | 0.07% |
| GREGORY E MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $58 | — | $58 | 0.06% |
| SHELDON F SCHIFF3 | MILLER POMERANTZ FINANCIAL AND INS 120 BROADWAY 29FL NEW YORK, NY 10271 | AFLAC | $54 | — | $54 | 0.06% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE STE 200 WALNUT CREEK, CA 94596 | AFLAC | $47 | — | $47 | 0.05% |
| LOUIS ORGERA3 | 585 STEWART AVENUE STE 414 GARDEN CITY, NY 11530 | AFLAC | $37 | — | $37 | 0.04% |
| BARTMON SHAPIRO & ASSOC. INC.3 Filed as: BARTMON SHAPIRO & ASSOC INC | 506 EAGLETON COVE TRCE PALM BEACH GARDENS, FL 33418 | AFLAC | $25 | — | $25 | 0.03% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $24 | — | $24 | 0.03% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $12 | — | $12 | 0.01% |
| DAVID RYWELSKI3 | 720 GREENWICH ST APT 1T NEW YORK, NY 10014 | AFLAC | $10 | — | $10 | 0.01% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID STEIN3 | 1969 W 5TH ST APT 8D BROOKLYN, NY 11223 | AFLAC | $2 | — | $2 | 0.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD STE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | $3K | $10K | 14.00% |
| S BEIN INC3 | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $5K | $252 | $5K | 7.98% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD STE 105E MELVILLE, NY 11747 | AFLAC | $575 | — | $575 | 0.95% |
| TODD J BURKE CORP3 | 401 E 80TH ST APT 6J NEW YORK, NY 10075 | AFLAC | $492 | — | $492 | 0.81% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $427 | $46 | $473 | 0.78% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $304 | — | $304 | 0.50% |
| SUSAN SPORN3 | PO BOX 404 SYOSSET, NY 11791 | AFLAC | $279 | — | $279 | 0.46% |
| SHARON MARGULIES3 | 1429 WILSON RD EAST MEADOW, NY 11554 | AFLAC | $279 | — | $279 | 0.46% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $193 | — | $193 | 0.32% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $192 | — | $192 | 0.32% |
| STEPHEN WHITE3 | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $141 | — | $141 | 0.23% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DR JERICHO, NY 11753 | AFLAC | $127 | — | $127 | 0.21% |
| LOUIS ORGERA3 | 585 STEWART AVENUE STE 414 GARDEN CITY, NY 11530 | AFLAC | $109 | — | $109 | 0.18% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $97 | — | $97 | 0.16% |
| JACK KOHEN3 | PO BOX 113 ROSLYN HEIGHTS, NY 11577 | AFLAC | $71 | — | $71 | 0.12% |
| CHRISTIAN RIEGER STEARNS3 Filed as: CHRISTIAN STEARNS | 500 FASHION AVE 9TH FLOOR NEW YORK, NY 10018 | AFLAC | $66 | — | $66 | 0.11% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $63 | — | $63 | 0.10% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $59 | — | $59 | 0.10% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $53 | — | $53 | 0.09% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $45 | — | $45 | 0.07% |
| ROBIN BEINHORN3 | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $42 | — | $42 | 0.07% |
| GREGORY E MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $34 | — | $34 | 0.06% |
| EVAN DANIELE3 | 263 E PLEASANTVIEW AVE APT 2 HACKENSACK, NJ 07601 | AFLAC | $28 | — | $28 | 0.05% |
| ALVARO MONTENEGRO3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $18 | — | $18 | 0.03% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE STE 200 WALNUT CREEK, CA 94596 | AFLAC | $16 | — | $16 | 0.03% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $10 | — | $10 | 0.02% |
| JOSEPH COURCY3 | 7283 ROUMARE RD EAST SYRACUSE, NY 13057 | AFLAC | $9 | — | $9 | 0.01% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $6 | — | $6 | 0.01% |
| DAVID STEIN3 | 1969 W 5TH ST APT 8D BROOKLYN, NY 11223 | AFLAC | $4 | — | $4 | 0.01% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $4 | — | $4 | 0.01% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $2 | — | $2 | 0.00% |
| SCARLET RODRIGUEZ3 | 609 S PERCY ST PHILADELPHIA, PA 19147 | AFLAC | $1 | — | $1 | 0.00% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP LLC. | 35 PINELAWN ROAD STE 105E MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 20.00% |
| SHARON MARGULIES3 | 1429 WILSON RD EAST MEADOW, NY 11554 | AFLAC | $51 | — | $51 | 2.14% |
| SUSAN SPORN3 | PO BOX 404 SYOSSET, NY 11791 | AFLAC | $51 | — | $51 | 2.14% |
| S BEIN INC3 | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $32 | — | $32 | 1.34% |
| STEPHEN WHITE3 | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $28 | — | $28 | 1.17% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $25 | — | $25 | 1.05% |
| JEFFREY D SLATER3 Filed as: JEFFREY SLATER | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $20 | — | $20 | 0.84% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $16 | — | $16 | 0.67% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD STE 105E MELVILLE, NY 11747 | AFLAC | $14 | — | $14 | 0.59% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $11 | — | $11 | 0.46% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE STE 200 WALNUT CREEK, CA 94596 | AFLAC | $9 | — | $9 | 0.38% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $9 | — | $9 | 0.38% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $2 | — | $2 | 0.08% |
| S BEIN INC3 | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $147 | — | $147 | 10.31% |
| TODD J BURKE CORP3 | 401 E 80TH ST APT 6J NEW YORK, NY 10075 | AFLAC | $26 | — | $26 | 1.82% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $11 | — | $11 | 0.77% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | — | $3 | 0.21% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $3 | — | $3 | 0.21% |
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 | 2,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA | 2,702 | $853K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,297 | $284K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 323 | $68K |
| Long-term disability(4 contracts, 2 carriers) | AFLAC | 305 | $361K |
| Stop-loss / reinsurancereinsurance | CIGNA | 2,702 | $853K |
| Other(5 contracts, 3 carriers) | EMBLEMHEALTH | 2,297 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,702 | — |
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.