| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $9K | $321 | $10K | 6.83% |
| JENNA ASHLEY CAROFANO3 | 81 WANTAGH AVENUE EAST ISLIP, NE 11730 | AFLAC | $4K | $439 | $5K | 3.30% |
| JENNA ASHLEY CAROFANO3 Filed as: JENNA ASHLEY GUERRIERO | 81 WANTAGH AVENUE EAST ISLIP, NY 11730 | AFLAC | $3K | $0 | $3K | 2.32% |
| DIANA TERESA DILUCA3 | 23 HEDGEROW LANE COMMACK, NY 11725 | AFLAC | $2K | $88 | $2K | 1.29% |
| JENNIFER DESTEFANO-CAMACHO3 Filed as: JENNIFER DESTEFANO-CAMACHO AND | VARIOUS AGENTS 41 HOMESTEAD LANE LEVITTOWN, NY 11756 | AFLAC | $798 | $16 | $814 | 0.57% |
| OLGA SIEGEL3 | 72 CHAMPLIN AVENUE BELLPORT, NY 11713 | AFLAC | $655 | $0 | $655 | 0.46% |
| CHRISTOPHER E MOORE3 Filed as: CHRISTOPHER E MOORE & VRS AGENTS | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $536 | $29 | $565 | 0.40% |
| OLGA SIEGEL3 | 2701 TOWNHOUSE DRIVE CORAM, NY 11727 | AFLAC | $329 | $31 | $360 | 0.25% |
| JANINE M. FEELEY3 Filed as: JANINE M FEELEY | 28 LAURETON AVENUE LAKE GROVE, NY 11755 | AFLAC | $137 | $0 | $137 | 0.10% |
| 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 COMPANY AND AFFILIATES | $0 | $3K | $3K | 3.98% |
| 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 | 3.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 470 PARK AVENUE SOUTH 6TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $796 | $796 | 1.69% |
| BELL ASSOCIATES3 Filed as: BELL ASSOCIATES CONSULTANTS, INC. | 79 EAST PUTNAM AVENUE, SUITE 11 GREENWICH, CT 06830 | VISION SERVICE PLAN | $965 | $0 | $965 | 7.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | VISION SERVICE PLAN | $307 | $0 | $307 | 2.42% |
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 COMPANY AND AFFILIATES | 132 | $84K |
| Vision | VISION SERVICE PLAN | 128 | $13K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 200 | $190K |
| Short-term disability | AFLAC | 83 | $143K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 200 | $47K |
| Other(2 contracts, 2 carriers) | AFLAC | 200 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
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.