| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC | $89K | $0 | $89K | 4.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | $13K | $0 | $13K | 3.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $5K | $0 | $5K | 3.12% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO V. MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $8K | $283 | $9K | 6.17% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HWY,STE 1015 HOLBROOK, NY 11741 | AFLAC | $3K | $81 | $3K | 2.47% |
| GERARD J. HEINGARTNER3 | PO BOX 180 HOLBROOK, NY 11741 | AFLAC | $2K | $0 | $2K | 1.16% |
| SILVIA DESTEFANO3 | 4250 VETERANS MEMORIAL HWY,STE 1015 HOLBROOK, NY 11741 | AFLAC | $1K | $0 | $1K | 0.87% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HWY,STE 1015 HOLBROOK, NY 11741 | AFLAC | $1K | $143 | $1K | 0.86% |
| GARRY HOFFMANN3 Filed as: GARRY P. HOFFMANN | PO BOX 482 SHOREHAM, NY 11786 | AFLAC | $804 | $0 | $804 | 0.57% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $742 | $0 | $742 | 0.52% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE, STE 312 GARDEN CITY, NY 11530 | AFLAC | $692 | $50 | $742 | 0.52% |
| BENEDETTO V. CRACCO3 | 36 MUNSON COURT MELVILLE, NY 11747 | AFLAC | $480 | $0 | $480 | 0.34% |
| ROSELLE BORRELLI3 | 519 1ST STREET GREENPORT, NY 11944 | AFLAC | $430 | $23 | $453 | 0.32% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 22 CORPORATE WOODS BOULEVARD 4TH FL ALBANY, NY 12211 | AFLAC | $394 | $0 | $394 | 0.28% |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM J. LOEFFERT | 555 BROAD HOLLOW RD SUITE 201 MELVILLE, NY 11747 | AFLAC | $92 | $0 | $92 | 0.07% |
| ALLAN H. MARKOWITZ3 | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $38 | $1 | $39 | 0.03% |
| PAUL J. LIBERATORE3 | 121 MOCKINGBIRD LANE DELRAY BEACH, FL 33445 | AFLAC | $28 | $0 | $28 | 0.02% |
| ROBERT BLUME3 Filed as: ROBERT A. KUSTEK | 12 BAXTER AVENUE NEW HYDE PARK, NY 11040 | AFLAC | $22 | $0 | $22 | 0.02% |
| GARY DESTEFANO3 | 23 LEHIGH DRIVE SMITHTOWN, NY 11787 | AFLAC | $15 | $0 | $15 | 0.01% |
| NEEFUS STYPE AGENCY, INC.3 | 711 UNION AVENUE, PO BOX 2340 AQUEBOGUE, NY 11931 | AFLAC | $15 | $0 | $15 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $9K | $0 | $9K | 10.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | $1K | $0 | $1K | 5.04% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO V. MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $503 | $0 | $503 | 7.45% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HWY,STE 1015 HOLBROOK, NY 11741 | AFLAC | $182 | $0 | $182 | 2.70% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HWY,STE 1015 HOLBROOK, NY 11741 | AFLAC | $109 | $0 | $109 | 1.62% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVE, STE 312 GARDEN CITY, NY 11530 | AFLAC | $46 | $0 | $46 | 0.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 ADMINISTRATOR | Contract Administrator Service code 13 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 462044903 | $22K |
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 | 332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 511 | $2.4M |
| Dental(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 243 | $191K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 332 | $83K |
| Other(3 contracts, 2 carriers) | AFLAC | 332 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.