| 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 | $196K | $0 | $196K | 3.85% |
| S BEIN INC3 Filed as: S BEIN INC. | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $10K | $49 | $10K | 5.94% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | AFLAC | $3K | $0 | $3K | 1.63% |
| LOUIS ORGERA3 | 585 STEWART AVE SUITE 414 GARDEN CITY, NY 11530 | AFLAC | $2K | $0 | $2K | 1.35% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $2K | $0 | $2K | 1.16% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $1K | $0 | $1K | 0.78% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $1K | $48 | $1K | 0.69% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $1K | $0 | $1K | 0.68% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $1K | $0 | $1K | 0.59% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 14 WALL STREET SUITE 8C ATTN. AFLAC NEW YORK, NY 10005 | AFLAC | $767 | $0 | $767 | 0.44% |
| SJRDK ATTN REID KLEINMAN3 Filed as: SJRDK ATTN REDI KLEINMAN | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $699 | $0 | $699 | 0.40% |
| ROBIN BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $666 | $14 | $680 | 0.39% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $399 | $0 | $399 | 0.23% |
| JOSEPH COURCY3 | 7283 ROUMARE RD EAST SYRACUSE, NY 13057 | AFLAC | $238 | $0 | $238 | 0.14% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $124 | $0 | $124 | 0.07% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE SUITE 200 WALNUT CREEK, CA 94596 | AFLAC | $120 | $0 | $120 | 0.07% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $95 | $0 | $95 | 0.05% |
| GLORIA QUINONES3 | 4457 MONTICELLO AVE BRONX, NY 10466 | AFLAC | $30 | $53 | $83 | 0.05% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $80 | $0 | $80 | 0.05% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $50 | $0 | $50 | 0.03% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $43 | $0 | $43 | 0.02% |
| ARTHUR FELTMAN3 | 3400 FORT INDEPENDENCE STREET APT. 15H BRONX, NY 10463 | AFLAC | $28 | $7 | $35 | 0.02% |
| ROBERT KUSTEK3 | 12 BAXTER AVENUE NEW HYDE PARK, NY 10040 | AFLAC | $32 | $0 | $32 | 0.02% |
| KATINA O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | 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 | 0.02% |
| RLK AND ASSOCIATES INC3 Filed as: RLK AND ASSOCIATES INC. | 345 EAST 80TH STREET APT. 21 C NEW YORK, NY 10075 | AFLAC | $22 | $0 | $22 | 0.01% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PL HUNTINGTON, NY 11734 | AFLAC | $22 | $0 | $22 | 0.01% |
| SCARLET RODRIGUEZ3 | 609 S PERCY ST PHILADELPHIA, PA 19147 | AFLAC | $19 | $0 | $19 | 0.01% |
| MICHAEL BURACK3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $17 | $0 | $17 | 0.01% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $15 | $0 | $15 | 0.01% |
| EDWIN O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $15 | $0 | $15 | 0.01% |
| ROSEANNE PANDULLO3 | 24 ROYAL WAY SHOREHAM, NY 11786 | AFLAC | $14 | $0 | $14 | 0.01% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DR JERICHO, NY 11753 | AFLAC | $11 | $0 | $11 | 0.01% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $10 | $0 | $10 | 0.01% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HWY SUITE 1015 W HOLBROOK, NY 11741 | AFLAC | $8 | $0 | $8 | 0.00% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $7 | $0 | $7 | 0.00% |
| LYLE WISNER3 | 119 SPOT CLUB RD ARNOLD, MD 21012 | AFLAC | $4 | $0 | $4 | 0.00% |
| KIRSTEN E WALSH3 | 168 RUSSELL STREET APT 1R BROOKLYN, NY 11222 | AFLAC | $3 | $0 | $3 | 0.00% |
| LEWIS R B ASSOCIATES INC3 Filed as: LEWIS R B ASSOCIATES INC. | 22 JERICHO TURNPIKE SUITE 105 MINEOLA, NY 11501 | AFLAC | $3 | $0 | $3 | 0.00% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN H MARKOWITZ | 17 LINDSEY PL HOLBROOK, NY 11741 | AFLAC | $3 | $0 | $3 | 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 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $2 | $0 | $2 | 0.00% |
| RLK AND ASSOCIATES INC3 Filed as: RLK AND ASSOCIATES INC. | 345 EAST 80TH STREET APT 21C NEW YORK, NY 10075 | 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 | $24K | $0 | $24K | 13.87% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.80% |
| CHRISTOPHER THOMAS SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $196 | $4K | 2.91% |
| ASSUREDPARTNERS3 Filed as: PILOT BENFITS GROUP LLC | 35 PINELAWN RD, SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $0 | $5K | 5.07% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.33% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD #105E MELVILLE, NY 117473111 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.86% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 117473111 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $216 | $0 | $216 | 14.99% |
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 | 826 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 835 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 565 | $5.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 569 | $172K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 569 | $172K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 878 | $133K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 292 | $150K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,065 | $98K |
| Other(4 contracts, 3 carriers) | AFLAC | 878 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,065 | — |
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.