| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KLEIN ASSOCIATES INC.3 | P.O. BOX 220295 GREAT NECK, NY 11021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $239K | $0 | $239K | 27.20% |
| KLEIN ASSOCIATES INC.3 Filed as: KLEIN ASSOC INC | 1 CUTTERMILL ROAD SUITE 4 GREAT NECK, NY 11021 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 10.00% |
| JOHN E GLASER3 Filed as: JOHN E. GLASER | 85 ARLINGTON RD. LAKE RONKONKOMA, NY 11779 | AFLAC | $19K | $828 | $20K | 13.18% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE SUITE 201 JERICHO, NY 11753 | AFLAC | $2K | $138 | $2K | 1.22% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVE., STE. 312 GARDEN CITY, NY 11530 | AFLAC | $2K | $138 | $2K | 1.11% |
| BRADLEY S RUPPEL3 | 363 GOOD HOPE ROAD BLUFFTON, SC 29909 | AFLAC | $1K | $0 | $1K | 0.80% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $784 | $0 | $784 | 0.51% |
| MICHAEL BURACK3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $404 | $0 | $404 | 0.26% |
| KENNETH GRAF3 | 198 YONT WAY GREENSBURG, PA 15601 | AFLAC | $338 | $0 | $338 | 0.22% |
| STEPHEN WHITE3 | 214 25 42ND AVE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $215 | $0 | $215 | 0.14% |
| ANN M PREDUN3 | 8471 17TH ST N ST PETERSBURG, FL 33702 | AFLAC | $143 | $0 | $143 | 0.09% |
| DOMENICO V MAUTARELLI3 | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $100 | $0 | $100 | 0.07% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HWY. STE. 1015 W HOLBROOK, NY 11741 | AFLAC | $24 | $0 | $24 | 0.02% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES, LLC | 14107 20TH AVENUE STE 507 WHITESTONE, NY 11357 | AFLAC | $22 | $0 | $22 | 0.01% |
| RICHARD COWIT3 | 58 CRESTWOOD LN. FARMINGVILLE, NY 11738 | AFLAC | $16 | $0 | $16 | 0.01% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA, INC | 14 WALL ST STE 8C ATTN. AFLAC SUITE 607 NEW YORK, NY 10005 | AFLAC | $15 | $0 | $15 | 0.01% |
| MARTIN BERNARD3 | 22 VALENTINE DRIVE ALBERTSON, NY 11507 | AFLAC | $9 | $0 | $9 | 0.01% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $7 | $0 | $7 | 0.00% |
| SILVIA DESTEFANO3 | 4250 VETERANS MEMORIAL HWY. STE. 1015 W HOLBROOK, NY 11741 | AFLAC | $7 | $0 | $7 | 0.00% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING, INC. | 1983 MARCUS AVENUE LAKE SUCCESS, NY 11042 | AFLAC | $5 | $0 | $5 | 0.00% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $3 | $0 | $3 | 0.00% |
| KLEIN ASSOCIATES INC.3 | 305 NORTHERN BLVD STE 201 GREAT NECK, NY 11021 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $0 | $6K | 3.77% |
| KLEIN ASSOCIATES INC.3 Filed as: KLEIN ASSOCIATES INC | 305 NORTHERN BLVD STE 201 GREAT NECK, NY 11021 | MUTUAL OF OMAHA INSURANCE COMPANY | $20K | $0 | $20K | 15.00% |
| KLEIN ASSOCIATES INC.3 | 305 NORTHERN BLVD STE 201 GREAT NECK, NY 11021 | COMPANION LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| KLEIN ASSOCIATES INC.3 | 305 NORTHERN BLVD STE 201 GREAT NECK, NY 11021 | COMPANION LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| KLEIN ASSOCIATES INC.3 | 305 NORTHERN BLVD STE 201 GREAT NECK, NY 11021 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| KLEIN ASSOCIATES INC.3 | 305 NORTHERN BLVD STE 201 GREAT NECK, NY 11021 | MUTUAL OF OMAHA INSURANCE COMPANY | $930 | $0 | $930 | 15.01% |
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 | 920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 805 | $879K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 405 | $342K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 800 | $160K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 321 | $153K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 295 | $135K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 805 | $879K |
| Other(3 contracts, 2 carriers) | AFLAC | 800 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.