| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $5K | $5K | 4.98% |
| JENNA ASHLEY CAROFANO3 | 200 COUNTRY VILLAGE LANE EAST ISLIP, NY 11730 | AFLAC | $3K | $101 | $3K | 4.76% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $3K | $40 | $3K | 4.54% |
| DIANA TERESA DILUCA3 | 23 HEDGEROW LANE COMMACK, NY 11725 | AFLAC | $755 | $23 | $778 | 1.22% |
| MJ INSURANCE3 Filed as: PATRICK RUHLE AND VARIOUS AGENTS | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $442 | $5 | $447 | 0.70% |
| DIANDRA STIPPEL3 | 1105 STATION WAY HUNTINGTON STATION, NY 11746 | AFLAC | $165 | $56 | $221 | 0.35% |
| ANDREW RAIMO3 | 3 FANNIE ROAD HAMPTON BAYS, NY 11946 | AFLAC | $96 | $0 | $96 | 0.15% |
| JANINE M. FEELEY3 | 28 LAURELTON AVENUE LAKE GROVE, NY 11755 | AFLAC | $82 | $1 | $83 | 0.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1.98% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $2K | $42 | $3K | 4.69% |
| JENNA ASHLEY CAROFANO3 | 200 COUNTRY VILLAGE LANE EAST ISLIP, NY 11730 | AFLAC | $2K | $79 | $2K | 4.26% |
| DIANDRA STIPPEL3 | 1105 STATION WAY HUNTINGTON STATION, NY 11746 | AFLAC | $305 | $60 | $365 | 0.68% |
| DIANA TERESA DILUCA3 | 23 HEDGEROW LANE COMMACK, NY 11725 | AFLAC | $321 | $26 | $347 | 0.64% |
| MICHAEL RAIMO3 Filed as: MICHAEL RAIMO & VARIOIUS AGENTS | 21 JACKSON STREET EAST ISLIP, NY 11730 | AFLAC | $293 | $8 | $301 | 0.56% |
| JENNIFER DESTEFANO-CAMACHO3 | 41 HOMESTEAD LANE LEVITTOWN, NY 11756 | AFLAC | $157 | $0 | $157 | 0.29% |
| OLGA DRAGONE3 | 99 JOHN STREET, SUITE 220 NEW YORK, NY 10038 | AFLAC | $97 | $19 | $116 | 0.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $900 | $0 | $900 | 6.45% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 141 | $96K |
| Vision | VISION SERVICE PLAN | 132 | $14K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 213 | $174K |
| Short-term disability(2 contracts) | AFLAC | 64 | $118K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 213 | $56K |
| Other(3 contracts, 2 carriers) | AFLAC | 213 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.