| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S BEIN INC3 Filed as: S BEIN INC. | 8676 SW CARRARA WAY PORT SAINT LUCIE, FL 34987 | AFLAC | $4K | $26 | $4K | 4.01% |
| MJ INSURANCE3 Filed as: CIRCO ABRIL AND VARIOUS AGENTS | 18 BRACKEN COURT HOWELL, NJ 07731 | AFLAC | $3K | $133 | $4K | 3.63% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | AFLAC | $2K | $0 | $2K | 2.06% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DRIVE NEW CITY, NY 11747 | AFLAC | $718 | $134 | $852 | 0.85% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $714 | $60 | $774 | 0.78% |
| LOUIS ORGERA3 Filed as: LOUIS P. ORGERA | 585 STEWART AVENUE, SUITE 414 GARDEN CITY, NY 11530 | AFLAC | $706 | $0 | $706 | 0.71% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $688 | $0 | $688 | 0.69% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $5K | $0 | $5K | 5.33% |
| PILOT BENEFITS GROUP LLC3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.55% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.68% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $90 | $0 | $90 | 0.13% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.83% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.13% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $341 | $0 | $341 | 10.01% |
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 | 609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 43 | $14K |
| Life insurance(3 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 609 | $72K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 130 | $69K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 591 | $92K |
| Other(3 contracts, 3 carriers) | AFLAC | 609 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.