| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP | 35 PINELAWN ROAD, SUITE 105 E MELVILLE, NY 11747 | EMBLEM HEALTH | $226K | $0 | $226K | 3.79% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | CARECONNECT INSURANCE COMPANY INC. | $137K | $0 | $137K | 4.00% |
| S BEIN INC3 Filed as: S BEIN INC. | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $11K | $291 | $11K | 6.20% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | AFLAC | $2K | $0 | $2K | 1.38% |
| LOUIS ORGERA3 | 585 STEWARD AVE SUITE 414 GARDEN CITY, NY 11530 | AFLAC | $2K | $62 | $2K | 1.29% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $1K | $0 | $1K | 0.81% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $1K | $0 | $1K | 0.71% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 14 WALL STREET SUITE 8C ATTN. AFLAC NEW YORK, NY 10005 | AFLAC | $1K | $0 | $1K | 0.70% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $1K | $0 | $1K | 0.61% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $959 | $85 | $1K | 0.58% |
| ROBIN BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $939 | $0 | $939 | 0.52% |
| SJRDK ATTN REID KLEINMAN3 Filed as: SJRDK ATTN REDI KLEINMAN | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $760 | $0 | $760 | 0.42% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $404 | $65 | $469 | 0.26% |
| ARTHUR FELTMAN3 | 3400 FORT INDEPENDENCE STREET APT. 15H BRONX, NY 10463 | AFLAC | $291 | $0 | $291 | 0.16% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE SUITE 200 WALNUT CREEK, CA 94596 | AFLAC | $245 | $0 | $245 | 0.14% |
| JOSEPH COURCY3 | 7283 ROUMARE RD EAST SYRACUSE, NY 13057 | AFLAC | $242 | $0 | $242 | 0.13% |
| GLORIA QUINONES3 | 4457 MONTICELLO AVE BRONX, NY 10466 | AFLAC | $146 | $0 | $146 | 0.08% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $135 | $0 | $135 | 0.07% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $103 | $0 | $103 | 0.06% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $87 | $0 | $87 | 0.05% |
| ROBERT KUSTEK3 | 12 BAXTER AVENUE NEW HYDE PARK, NY 10040 | AFLAC | $54 | $0 | $54 | 0.03% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $54 | $0 | $54 | 0.03% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $43 | $0 | $43 | 0.02% |
| KATINA O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $29 | $0 | $29 | 0.02% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $29 | $0 | $29 | 0.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: LISA-AN NEW WORLD ASSOC. INC. | 445 BROAD HOLLOW ROAD, CL 17 MELVILLE, NY 11747 | AFLAC | $27 | $0 | $27 | 0.01% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $25 | $0 | $25 | 0.01% |
| RLK AND ASSOCIATES INC3 Filed as: RLK AND ASSOCIATES INC. | 345 EAST 80TH STREET APT. 21 C NEW YORK, NY 10075 | AFLAC | $24 | $0 | $24 | 0.01% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PL HUNTINGTON, NY 11734 | AFLAC | $22 | $0 | $22 | 0.01% |
| SCARLET RODRIGUEZ3 | 1935 CHESTNUT STREET APT 2F PHILADELPHIA, PA 19103 | AFLAC | $19 | $0 | $19 | 0.01% |
| MICHAEL BURACK3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $18 | $0 | $18 | 0.01% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $16 | $0 | $16 | 0.01% |
| EDWIN O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $15 | $0 | $15 | 0.01% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HWY SUITE 1015 W HOLBROOK, NY 11741 | AFLAC | $14 | $0 | $14 | 0.01% |
| ROSEANNE PANDULLO3 | 24 ROYAL WAY SHOREHAM, NY 11786 | AFLAC | $14 | $0 | $14 | 0.01% |
| TATIANA REYES3 | 750 E 166TH STREET APT 10C BRONX, NY 10456 | AFLAC | $13 | $0 | $13 | 0.01% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DR JERICHO, NY 11753 | AFLAC | $11 | $0 | $11 | 0.01% |
| KRISTEN WALSH3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $11 | $0 | $11 | 0.01% |
| LEWIS R B ASSOCIATES INC3 Filed as: LEWIS R B ASSOCIATES INC. | 22 JERICHO TURNPIKE SUITE 105 MINEOLA, NY 11501 | AFLAC | $10 | $0 | $10 | 0.01% |
| LYLE WISNER3 | 119 SPOT CLUB RD ARNOLD, MD 21012 | AFLAC | $4 | $0 | $4 | 0.00% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $2 | $0 | $2 | 0.00% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $2 | $0 | $2 | 0.00% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 817 MAIDEN CHOICE LN SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $2 | $0 | $2 | 0.00% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 Filed as: SAL RESTIVO INSURANCE BROKERAGE | 32 HASKEL LANE STONYBROOK, NY 11790 | AFLAC | $2 | $0 | $2 | 0.00% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | AFLAC | $1 | $0 | $1 | 0.00% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 13.26% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.64% |
| CHRISTOPHER THOMAS SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $126 | $5K | 3.01% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.16% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.93% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 117473111 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $127 | $0 | $127 | 10.54% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $53 | $0 | $53 | 4.40% |
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 | 882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EMBLEM HEALTH | 640 | $9.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 601 | $169K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 601 | $169K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 866 | $120K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 312 | $163K |
| Long-term disability(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 872 | $12K |
| Other(5 contracts, 4 carriers) | AFLAC | 866 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.