| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | — | HEALTH INSURANCE PLAN OF GREATER NEW YORK | $37K | $0 | $37K | 2.91% |
| WALTER THOMAS BONILLA3 Filed as: WALTER T BONILLA | 9 LONGLEAF LN MEDFORD, NY 11763 | AFLAC | $5K | $0 | $5K | 11.50% |
| DONALD ERIC HOYER3 | 46 HERON ST LONG BEACH, NY 11561 | AFLAC | $1K | $0 | $1K | 2.60% |
| EDWARD A SIMMONS3 | 200 HILTON AVE UNIT 60 HEMPSTEAD, NY 11550 | AFLAC | $1K | $0 | $1K | 2.33% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $1K | $0 | $1K | 2.19% |
| EDWARD A SIMMONS3 | 115 BROADHOLLOW ROAD MELVILLE, NY 11747 | AFLAC | $861 | $0 | $861 | 1.86% |
| WILLIAM J LOEFFERT3 | 555 BROADHOLLOW RD STE 201 MELVILLE, NY 11747 | AFLAC | $456 | $0 | $456 | 0.99% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $195 | $0 | $195 | 0.42% |
| MARC BERNSTEIN3 | 872 VAUGHN WAY THE VILLAGES, FL 32163 | AFLAC | $187 | $0 | $187 | 0.40% |
| BRIEN C FLETCHER3 | 15 GARDEN AVE CARLE PLACE, NY 11514 | AFLAC | $71 | $0 | $71 | 0.15% |
| KRISTEN LENORE BONILLA3 | 9 LONGLEAF LN MEDFORD, NY 11763 | AFLAC | $51 | $0 | $51 | 0.11% |
| BARBARA FONTI3 | 223 WALL ST #159 HUNTINGTON, NY 11743 | AFLAC | $49 | $0 | $49 | 0.11% |
| LORI ANN LOMBARDO3 | 15 LACEBARK LN MEDFORD, NY 11763 | AFLAC | $47 | $0 | $47 | 0.10% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $36 | $0 | $36 | 0.08% |
| PETER LOMBARDO3 | 15 LACEBARK LN MEDFORD, NY 11763 | AFLAC | $31 | $0 | $31 | 0.07% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $31 | $0 | $31 | 0.07% |
| GALE LOEFFERT3 | 545 DAVIS ST NORTH BABYLON, NY 11703 | AFLAC | $27 | $0 | $27 | 0.06% |
| LORI ANN LOMBARDO3 | 15 LACEBARK LN MEDFORD, NY 11763 | AFLAC | $23 | $0 | $23 | 0.05% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $22 | $0 | $22 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES INC | 40 MARKUS DR FL 3 MELVILLE, NY 11747 | AFLAC | $21 | $0 | $21 | 0.05% |
| MARY ANN NAVARRE3 | 10 COLT AVE BABYLON, NY 11702 | AFLAC | $20 | $0 | $20 | 0.04% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HWY STE 1015W HOLBROOK, NY 11741 | AFLAC | $19 | $0 | $19 | 0.04% |
| ANDREW HAHN3 Filed as: ANDREW G TERC | 33 HOFSTRA DR GREENLAWN, NY 11740 | AFLAC | $17 | $0 | $17 | 0.04% |
| PATRICIA RUPPEL3 | 3923 DUNESIDE DR HUTCHINSON ISLAND, FL 34949 | AFLAC | $15 | $0 | $15 | 0.03% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $14 | $0 | $14 | 0.03% |
| ANDREW HAHN3 Filed as: ANDREW G TERC | 33 HOFSTRA DR GREENLAWN, NY 11740 | AFLAC | $13 | $0 | $13 | 0.03% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $11 | $0 | $11 | 0.02% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $11 | $0 | $11 | 0.02% |
| PETER LOMBARDO3 | 15 LACEBARK LANE MEDFORD, NY 11763 | AFLAC | $6 | $0 | $6 | 0.01% |
| SUSAN WIENER ENTERPRISES LLC3 | 115 BROADHOLLOW RD STE 375 MELVILLE, NY 11747 | AFLAC | $6 | $0 | $6 | 0.01% |
| FINANCIAL LIBERTY GROUP3 Filed as: FINANCIAL LIBERTY GROUP INC | 115 BROADHOLLOW RD STE 375 MELVILLE, NY 11747 | AFLAC | $2 | $0 | $2 | 0.00% |
| KATHERINE D GRIMES3 | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $1 | $0 | $1 | 0.00% |
| EMERSON REID LLC3 | 167 ARCHER RD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 15.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $1K | $5K | 16.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 235662939 | COMPANION LIFE INSURANCE COMPANY | $1K | $485 | $2K | 14.06% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH INSURANCE PLAN OF GREATER NEW YORK | 138 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $44K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 135 | $39K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 135 | $27K |
| Other(2 contracts, 2 carriers) | AFLAC | 135 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.