| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNA ASHLEY CAROFANO3 | 200 COUNTRY VILLAGE LANE EAST ISLIP, NY 11730 | AFLAC | $7K | $103 | $7K | 5.11% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $7K | $15 | $7K | 5.03% |
| DIANDRA STIPPEL3 | 23 WYLDE ROAD MOUNT SINAI, NY 11766 | AFLAC | $2K | $37 | $2K | 1.33% |
| MJ INSURANCE3 Filed as: MARK MCCUE AND VARIOUS AGENTS | 533 MIRROR POND COURT MORICHES, NY 11955 | AFLAC | $1K | $0 | $1K | 0.88% |
| DIANA TERESA DILUCA3 | 23 HEDGEROW LANE COMMACK, NY 11725 | AFLAC | $814 | $0 | $814 | 0.58% |
| MJ INSURANCE3 Filed as: MARYANN GUSTAFSON & VARIOUS AGENTS | 57 HILL STREET PATCHOGUE, NY 11772 | AFLAC | $729 | $26 | $755 | 0.54% |
| OLGA DRAGONE3 | 2701 TOWNEHOUSE DRIVE CORAM, NY 11727 | AFLAC | $264 | $0 | $264 | 0.19% |
| JENNIFER DESTEFANO-CAMACHO3 | 41 HOMESTEAD LANE LEVITTOWN, NY 11756 | AFLAC | $204 | $0 | $204 | 0.14% |
| MARYANN GUSTAFSON3 | 57 HILL STREET PATCHOGUE, NY 11772 | AFLAC | $158 | $0 | $158 | 0.11% |
| JANINE M. FEELEY3 | 28 LAURELTON AVENUE LAKE GROVE, NY 11755 | AFLAC | $122 | $0 | $122 | 0.09% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $4K | $4K | 3.87% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $0 | $799 | $799 | 1.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $951 | $0 | $951 | 6.17% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 145 | $95K |
| Vision | VISION SERVICE PLAN | 143 | $15K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 199 | $198K |
| Short-term disability | AFLAC | 70 | $141K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 199 | $57K |
| Other(2 contracts, 2 carriers) | AFLAC | 199 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.