| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNA ASHLEY CAROFANO3 | 200 COUNTRY VILLAGE LANE EAST ISLIP, NY 11730 | AFLAC | $5K | $144 | $5K | 5.34% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $5K | $114 | $5K | 5.28% |
| MJ INSURANCE3 Filed as: DIANDRA STIPPEL AND VARIOUS AGENTS | 23 WYLDE ROAD MAOUNT SINAI, NY 11766 | AFLAC | $2K | $36 | $2K | 1.67% |
| MARK MCCUE3 | 553 MIRROR POND COURT MORICHES, NY 11955 | AFLAC | $1K | $20 | $1K | 1.33% |
| MARYANN GUSTAFSON3 | 57 HILL STREET PATCHOGUE, NY 11772 | AFLAC | $936 | $0 | $936 | 0.98% |
| ANDREW RAIMO3 | 3 FANNIE ROAD HAMPTON BAYS, NY 11946 | AFLAC | $336 | $90 | $426 | 0.45% |
| DIANA TERESA DILUCA3 | 23 HEDGEROW LANE COMMACK, NY 11725 | AFLAC | $277 | $0 | $277 | 0.29% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $4K | $4K | 4.46% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $4K | $59 | $4K | 5.16% |
| JENNA ASHLEY CAROFANO3 | 200 COUNTRY VILLAGE LANE EAST ISLIP, NY 11730 | AFLAC | $3K | $70 | $3K | 3.93% |
| MARK MCCUE3 | 553 MIRROR POND COURT MORICHES, NY 11955 | AFLAC | $677 | $0 | $677 | 0.88% |
| MJ INSURANCE3 Filed as: OLGA SIEGEL AND VARIOUS AGENTS | 2701 TOWNHOUSE DRIVE CORAM, NY 11727 | AFLAC | $547 | $19 | $566 | 0.74% |
| MARYANN GUSTAFSON3 | 57 HILL STREET PATCHOGUE, NY 11772 | AFLAC | $306 | $0 | $306 | 0.40% |
| ANDREW RAIMO3 | 3 FANNIE ROAD HAMPTON BAYS, NY 11946 | AFLAC | $240 | $48 | $288 | 0.37% |
| JENNIFER DESTEFANO-CAMACHO3 Filed as: JENNIFER DESTEFANP-CAMACHO | 41 HOMESTEAD LANE LEVITTOWN, NY 11756 | AFLAC | $247 | $0 | $247 | 0.32% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $0 | $929 | $929 | 1.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $507 | $0 | $507 | 3.26% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE, 3RD FLOOR MERIDEN, CT 06450 | VISION SERVICE PLAN | $436 | $0 | $436 | 2.81% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 148 | $89K |
| Vision | VISION SERVICE PLAN | 148 | $16K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 210 | $220K |
| Short-term disability(2 contracts) | AFLAC | 83 | $172K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 210 | $48K |
| Other(3 contracts, 2 carriers) | AFLAC | 210 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
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.