| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | EMBLEM HEALTH | $159K | — | $159K | 2.10% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | EMBLEM HEALTH | $95K | — | $95K | 1.25% |
| ONE TEN BROKERAGE3 | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NE 11747 | EMBLEM HEALTH | $24K | — | $24K | 0.31% |
| HEFFERNAN INSURANCE BROKERS3 | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | CARE CONNECT INSURANCE COMPANY, INC. | $52K | — | $52K | 2.60% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | CARE CONNECT INSURANCE COMPANY, INC. | $28K | — | $28K | 1.40% |
| SEE ATTACHMENT3 | — | AFLAC | $28K | $445 | $28K | 15.17% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 5.14% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $354 | $5K | 2.81% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | GUARDIAN | $16K | $6K | $21K | 13.58% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | GUARDIAN | $7K | — | $7K | 4.18% |
| HEFFERNAN INSURANCE BROKERS3 | P.O. BOX 4006 WALNUT CREEK, CA 94596 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $287 | $3K | 5.68% |
| HEFFERNAN INSURANCE BROKERS3 | P.O. BOX 4006 WALNUT CREEK, CA 94596 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.66% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.11% |
| HEFFERNAN INSURANCE BROKERS3 | P.O. BOX 4006 WALNUT CRREK, CA 94596 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $212 | — | $212 | 15.02% |
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 | 920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEM HEALTH | 399 | $9.6M |
| Dental | GUARDIAN | 641 | $157K |
| Vision | GUARDIAN | 641 | $157K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 935 | $164K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 347 | $173K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 873 | $77K |
| Other(4 contracts, 4 carriers) | AFLAC | 935 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 935 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.