| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 4.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 1.17% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 8.31% |
| DONALD C SAVOY INC3 | 200 CONNELL DR BERKELEY HEIGHTS, NJ 07922 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $7K | 6.96% |
| NANCY LAPHAM3 Filed as: NANCY A HOAGLAND | 223 BROOK ST OAKDALE, NY 11769 | AFLAC | $2K | $60 | $2K | 9.91% |
| THOMAS J HOAGLAND3 | 223 BROOK ST OAKDALE, NY 11769 | AFLAC | $1K | $60 | $1K | 6.42% |
| GFM CORP3 | 2 HALYARD CT COLD SPRING HARBOR, NY 11724 | AFLAC | $431 | $28 | $459 | 2.14% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $365 | $28 | $393 | 1.83% |
| BARBARA FONTI3 | 223 WALL ST #159 HUNTINGTON, NY 11743 | AFLAC | $222 | — | $222 | 1.04% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $87 | — | $87 | 0.41% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $53 | — | $53 | 0.25% |
| SHAUN T KONIOR3 | 31 STRATFORD GRN FARMINGDALE, NY 11735 | AFLAC | $52 | — | $52 | 0.24% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $36 | — | $36 | 0.17% |
| JAMES (JAY) GRIMES3 | 554 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $31 | — | $31 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $14 | — | $14 | 0.07% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $10 | — | $10 | 0.05% |
| DOMENICO V MAUTARELLI3 | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $8 | — | $8 | 0.04% |
| LORAINE SOMMER INC3 | 2168 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $7 | — | $7 | 0.03% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $5 | — | $5 | 0.02% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $5 | — | $5 | 0.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $4 | — | $4 | 0.02% |
| KATHERINE D GRIMES3 | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $3 | — | $3 | 0.01% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | — | $3 | 0.01% |
| TODD BURKE3 | 199 WATER ST FLOOR 23 NEW YORK, NY 10038 | AFLAC | $2 | — | $2 | 0.01% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $685 | — | $685 | 9.99% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $343 | — | $343 | 5.00% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 84 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $94K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 77 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $94K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $94K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $94K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.