| 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 | $172K | $0 | $172K | 3.84% |
| S BEIN INC3 Filed as: S BEIN INC. | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $9K | $188 | $10K | 6.24% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | AFLAC | $3K | $0 | $3K | 2.11% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $2K | $132 | $2K | 1.21% |
| LOUIS ORGERA3 | 585 STEWART AVE SUITE 414 GARDEN CITY, NY 11530 | AFLAC | $2K | $20 | $2K | 1.19% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $1K | $0 | $1K | 0.76% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $1K | $71 | $1K | 0.71% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $998 | $0 | $998 | 0.65% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $955 | $0 | $955 | 0.62% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL STREET, SUITE NEW YORK, NY 10005 | AFLAC | $806 | $0 | $806 | 0.53% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $711 | $0 | $711 | 0.46% |
| ROBIN BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $523 | $0 | $523 | 0.34% |
| SJRDK ATTN REID KLEINMAN3 Filed as: SJRDK ATTN REDI KLEINMAN | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $511 | $0 | $511 | 0.33% |
| JOSEPH COURCY3 | 7283 ROUMARE RD EAST SYRACUSE, NY 13057 | AFLAC | $195 | $0 | $195 | 0.13% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $93 | $0 | $93 | 0.06% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE SUITE 200 WALNUT CREEK, CA 94596 | AFLAC | $92 | $0 | $92 | 0.06% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $84 | $0 | $84 | 0.05% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $65 | $0 | $65 | 0.04% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $59 | $0 | $59 | 0.04% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $43 | $0 | $43 | 0.03% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $34 | $0 | $34 | 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 | $24 | $0 | $24 | 0.02% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PL HUNTINGTON, NY 11734 | AFLAC | $17 | $0 | $17 | 0.01% |
| SCARLET RODRIGUEZ3 | 609 S PERCY ST PHILADELPHIA, PA 19147 | 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% |
| MICHAEL BURACK3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $8 | $0 | $8 | 0.01% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $5 | $0 | $5 | 0.00% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $4 | $0 | $4 | 0.00% |
| LYLE WISNER3 | 119 SPOT CLUB RD ARNOLD, MD 21012 | AFLAC | $4 | $0 | $4 | 0.00% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD SUITE 190 MELVILLE, NY 11741 | 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 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $2 | $0 | $2 | 0.00% |
| GLORIA QUINONES3 | PO BOX 282 BRONX, NY 10475 | AFLAC | $1 | $0 | $1 | 0.00% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHRISTOPHER THOMAS SMITH3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $388 | $5K | 3.91% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.61% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.95% |
| 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 | 5.35% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 7.05% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.63% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD #105E MELVILLE, NY 117473111 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.34% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 117473111 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $175 | $0 | $175 | 14.97% |
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 | 806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 424 | $4.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 582 | $80K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 582 | $80K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 698 | $117K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 259 | $124K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,117 | $92K |
| Other(4 contracts, 3 carriers) | AFLAC | 698 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,117 | — |
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.