| 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 | $116K | $0 | $116K | 3.81% |
| S BEIN INC3 Filed as: S BEIN INC. | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $5K | $3 | $5K | 4.70% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | AFLAC | $4K | $0 | $4K | 3.60% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL STREET, SUITE NEW YORK, NY 10005 | AFLAC | $2K | $3 | $2K | 1.90% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $1K | $3 | $1K | 1.17% |
| SHARON A MARTIN-TOUSSAINT3 | 231 PRIMROSE AVE MOUNT VERNON, NY 10552 | AFLAC | $1K | $0 | $1K | 1.11% |
| LOUIS ORGERA3 | 585 STEWART AVE SUITE 414 GARDEN CITY, NY 11530 | AFLAC | $1K | $0 | $1K | 1.07% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $1K | $8 | $1K | 0.96% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $783 | $0 | $783 | 0.73% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $707 | $0 | $707 | 0.66% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $602 | $0 | $602 | 0.56% |
| TODD J BURKE CORP3 | 401 E 80TH ST APT 10075 NEW YORK, NY 10075 | AFLAC | $406 | $0 | $406 | 0.38% |
| ROBIN BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $336 | $0 | $336 | 0.31% |
| SJRDK ATTN REID KLEINMAN3 Filed as: SJRDK ATTN REDI KLEINMAN | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $285 | $0 | $285 | 0.27% |
| JOSEPH COURCY3 | 7283 ROUMARE RD EAST SYRACUSE, NY 13057 | AFLAC | $109 | $0 | $109 | 0.10% |
| EVAN DANIELE3 | 263 E PLEASANTVIEW AVE APT 2 HACKENSACK, NJ 07601 | AFLAC | $100 | $0 | $100 | 0.09% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE SUITE 200 WALNUT CREEK, CA 94596 | AFLAC | $68 | $0 | $68 | 0.06% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $64 | $0 | $64 | 0.06% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $53 | $0 | $53 | 0.05% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 225 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $44 | $0 | $44 | 0.04% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $43 | $0 | $43 | 0.04% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $33 | $0 | $33 | 0.03% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $30 | $0 | $30 | 0.03% |
| EDWIN O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $29 | $0 | $29 | 0.03% |
| KATINA O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $27 | $0 | $27 | 0.03% |
| RLK AND ASSOCIATES INC3 Filed as: RLK AND ASSOCIATES INC. | 345 EAST 80TH STREET APT. 21 C NEW YORK, NY 10075 | AFLAC | $26 | $0 | $26 | 0.02% |
| CHRISTINE D MUSALO3 | 39 HARMONY DR MASSAPEQUA PARK, NY 11762 | AFLAC | $17 | $0 | $17 | 0.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: LISA-AN NEW WORLD ASSOC. INC. | 445 BROAD HOLLOW ROAD, CL 17 MELVILLE, NY 11747 | AFLAC | $16 | $0 | $16 | 0.01% |
| THOMAS M MEPPELL III3 | 757 MOUNT SINAI CORAM RD MOUNT SINAI, NY 11766 | AFLAC | $12 | $0 | $12 | 0.01% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $12 | $0 | $12 | 0.01% |
| SCARLET RODRIGUEZ3 | 609 S PERCY ST PHILADELPHIA, PA 19147 | AFLAC | $9 | $0 | $9 | 0.01% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DR JERICHO, NY 11753 | AFLAC | $9 | $0 | $9 | 0.01% |
| ROSEANNE PANDULLO3 | 24 ROYAL WAY SHOREHAM, NY 11786 | AFLAC | $8 | $0 | $8 | 0.01% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $7 | $0 | $7 | 0.01% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD SUITE 190 MELVILLE, NY 11747 | AFLAC | $4 | $0 | $4 | 0.00% |
| GLORIA QUINONES3 | PO BOX 282 BRONX, NY 10475 | AFLAC | $4 | $0 | $4 | 0.00% |
| LYLE WISNER3 | 119 SPOT CLUB RD ARNOLD, MD 21012 | 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 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $2 | $0 | $2 | 0.00% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 8370 VETERANS HWY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $2 | $0 | $2 | 0.00% |
| KATHERINE D GRIMES3 | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $2 | $0 | $2 | 0.00% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 Filed as: SAL RESTIVO INSURANCE BROKERAGE | 248 ROUTE 25A #3009 EAST SETAUKET, NY 11733 | 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% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $1 | $0 | $1 | 0.00% |
| PILOT BENEFITS GROUP LLC3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.23% |
| CHRISTOPHER THOMAS SMITH3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.47% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $95 | $0 | $95 | 0.12% |
| 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 | 6.30% |
| 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 | $5K | $0 | $5K | 8.60% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD #105E MELVILLE, NY 117473111 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.34% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.60% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $506 | $0 | $506 | 10.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 117473111 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $198 | $0 | $198 | 14.98% |
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 | 551 | 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) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 294 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 480 | $56K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 480 | $56K |
| Life insurance(3 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 551 | $90K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 149 | $79K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 755 | $75K |
| Other(4 contracts, 3 carriers) | AFLAC | 551 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 755 | — |
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.