| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNA ASHLEY CAROFANO3 Filed as: JENNA A. GUERRIERO | 81 WANTAGH AVENUE EAST ISLIP, NY 11730 | AFLAC | $11K | $1K | $12K | 13.03% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $6K | $864 | $7K | 7.79% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL P. DESTAFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015 WEST HOLBROOK, NY 11741 | AFLAC | $3K | $481 | $3K | 3.29% |
| JENNIFER DESTEFANO-CAMACHO3 | 41 HOMESTEAD LANE LEVITTOWN, NY 11756 | AFLAC | $1K | $279 | $1K | 1.40% |
| MJ INSURANCE3 Filed as: MICHAEL RAIMO AND VARIOUS AGENTS | 21 JACKSON STREET EAST ISLIP, NY 11730 | AFLAC | $1K | $15 | $1K | 1.34% |
| MJ INSURANCE3 Filed as: JULIO M. GALEANO | 8 KINGSTON AVENUE EAST HAMPTON, NY 11937 | AFLAC | $775 | $0 | $775 | 0.83% |
| DIANDRA STIPPEL3 | 42 OAKTREE LANE HUNTINGTON STATION, NY 11746 | AFLAC | $712 | $0 | $712 | 0.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMP | $0 | $3K | $3K | 3.98% |
| JENNA ASHLEY CAROFANO3 Filed as: JENNA A. GUERRIERO | 81 WANTAGH AVENUE EAST ISLIP, NY 11730 | AFLAC | $7K | $734 | $8K | 12.78% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $4K | $517 | $4K | 7.19% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015 WEST HOLBROOK, NY 11741 | AFLAC | $2K | $298 | $2K | 3.10% |
| DIANA TERESA DILUCA3 | 23 HEDGEROW LANE COMMACK, NY 11725 | AFLAC | $679 | $0 | $679 | 1.11% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING & VARIOUS AGNTS | P.O. BOX 9017 WOODBURY, NY 11797 | AFLAC | $474 | $0 | $474 | 0.77% |
| JANINE M. FEELEY3 | 28 LAURELTON AVENUE LAKE GROVE, NY 11755 | AFLAC | $368 | $89 | $457 | 0.74% |
| CHRISTOPHER E MOORE3 Filed as: CHRISTOPHER E. MOORE | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $152 | $0 | $152 | 0.25% |
| JENNA ASHLEY CAROFANO3 Filed as: JENNA A. GUERRIERO | 81 WANTAGH AVENUE EAST ISLIP, NY 11730 | AFLAC | $3K | $380 | $3K | 6.82% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $2K | $151 | $3K | 5.61% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015 WEST HOLBROOK, NY 11741 | AFLAC | $969 | $142 | $1K | 2.47% |
| MJ INSURANCE3 Filed as: JULIO GALEANO AND VARIOUS AGENTS | 8 KINGSTSON AVENUE EAST HAMPTON, NY 11937 | AFLAC | $764 | $16 | $780 | 1.73% |
| MICHAEL RAIMO3 | 21 JACKSON STREET EAST ISLIP, NY 11730 | AFLAC | $235 | $83 | $318 | 0.71% |
| DIANDRA STIPPEL3 | 23 WYLDE ROAD MOUNT SINAI, NY 11730 | AFLAC | $241 | $62 | $303 | 0.67% |
| OLGA SIEGEL3 | 72 CHAMPLIN AVENUE BELLPORT, NY 11713 | AFLAC | $255 | $0 | $255 | 0.57% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMON ROAD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 5.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 470 PARK AVENUE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 3.77% |
| JENNA ASHLEY CAROFANO3 Filed as: JENNA ASHLEY GUERRIERO | 81 WANTAGH AVENUE EAST ISLIP, NY 11730 | AFLAC | $2K | $312 | $3K | 7.99% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL PASQUALLY DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $2K | $87 | $2K | 5.55% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015 WEST HOLBROOK, NY 11741 | AFLAC | $741 | $87 | $828 | 2.54% |
| DIANA TERESA DILUCA3 | 21 HEDGEROW LANE COMMACK, NY 11725 | AFLAC | $419 | $57 | $476 | 1.46% |
| MJ INSURANCE3 Filed as: JANINE FEELEY AND VARIOUS AGENTS | 28 LAURELTON AVENUE LAKE GROVE, NY 11755 | AFLAC | $261 | $3 | $264 | 0.81% |
| OLGA SIEGEL3 | 72 CHAMPLIN AVENUE BELLPORT, NY 11713 | AFLAC | $207 | $0 | $207 | 0.63% |
| CHRISTOPHER E MOORE3 Filed as: CHRISTOPHER E. MOORE | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $72 | $0 | $72 | 0.22% |
| BELL ASSOCIATES3 Filed as: BELL ASSOCIATES CONSULTANTS, INC | 79 EAST PUTNAM AVENUE SUITE 11 GREENWICH, CT 06830 | VISION SERVICE PLAN EASTERN | $1K | $0 | $1K | 9.21% |
| LORI L. BELL3 Filed as: LORI L BELL | 188 VAN RESSELAER AVENUE STAMFORD, CT 06902 | VISION SERVICE PLAN EASTERN | $112 | $0 | $112 | 0.83% |
| BELL ASSOCIATES3 Filed as: BELL ASSOCIATES CONSULTANTS, INC | 79 EAST PUTNAM AVENUE GREENWICH, CT 06830 | TELADOC | $1K | $0 | $1K | 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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMP | 136 | $85K |
| Vision | VISION SERVICE PLAN EASTERN | 130 | $13K |
| Life insurance(5 contracts, 2 carriers) | AFLAC | 197 | $272K |
| Short-term disability(4 contracts) | AFLAC | 94 | $232K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 197 | $40K |
| Other(6 contracts, 3 carriers) | AFLAC | 197 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.