| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $4K | $4K | 3.98% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $4K | $77 | $4K | 5.60% |
| JENNA ASHLEY CAROFANO3 | 81 WANTAGH AVENUE EAST ISLIP, NY 11730 | AFLAC | $3K | $109 | $3K | 3.81% |
| ANDREW RAIMO3 | 3 FANNIE ROAD HAMPTON BAYS, NY 11946 | AFLAC | $486 | $19 | $505 | 0.73% |
| MJ INSURANCE3 Filed as: DIANA T. DILUCA AND VARIOUS AGENTS | 23 EDGEROW LANE COMMACK, NY 11725 | AFLAC | $415 | $37 | $452 | 0.66% |
| OLGA SIEGEL3 | 1701 TOWNHOUSE DRIVE CORAM, NY 11727 | AFLAC | $346 | $15 | $361 | 0.52% |
| EDWARD SCHREIBER3 | 42 STAHLMAN LANE PATCHOGUE, NY 11772 | AFLAC | $326 | $0 | $326 | 0.47% |
| JENNIFER DESTEFANO-CAMACHO3 | 41 HOMESTEAD LANE LEVITTOWN, NY 11756 | AFLAC | $201 | $0 | $201 | 0.29% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $4K | $69 | $4K | 6.01% |
| JENNA ASHLEY CAROFANO3 | 81 WANTAGH AVENUE EAST ISLIP, NY 11730 | AFLAC | $3K | $86 | $3K | 4.51% |
| ANDREW RAIMO3 | 3 FANNIE ROAD HAMPTON BAYS, NY 11946 | AFLAC | $687 | $0 | $687 | 1.10% |
| CHRISTOPHER E MOORE3 Filed as: CHRISTOPHER MOORE AND OTHER AGENTS | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $599 | $0 | $599 | 0.96% |
| DIANA TERESA DILUCA3 | 23 EDGEROW LANE COMMACK, NY 11725 | AFLAC | $321 | $86 | $407 | 0.65% |
| MARTIN HERNANDEZ3 | 72 CHAMPLIN AVENUE BELLPORT, NY 11713 | AFLAC | $301 | $0 | $301 | 0.48% |
| OLGA SIEGEL3 | 2701 TOWNHOUSE DRIVE CORAM, NY 11727 | AFLAC | $169 | $0 | $169 | 0.27% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE SOUTH, 6TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $942 | $942 | 1.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | VISION SERVICE PLAN | $938 | $0 | $938 | 6.97% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 143 | $94K |
| Vision | VISION SERVICE PLAN | 140 | $13K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 219 | $186K |
| Short-term disability(2 contracts) | AFLAC | 84 | $132K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 219 | $55K |
| Other(3 contracts, 2 carriers) | AFLAC | 219 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.