| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO V. MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $8K | $394 | $8K | 5.78% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HWY,STE 1015 HOLBROOK, NY 11741 | AFLAC | $3K | $87 | $4K | 2.49% |
| ROSELLE BORRELLI3 | 519 1ST STREET GREENPORT, NY 11944 | AFLAC | $2K | $42 | $2K | 1.25% |
| JUDITH HEINGARTNER3 | 111 FAIRFIELD DR HOLBROOK, NY 11741 | AFLAC | $2K | $0 | $2K | 1.13% |
| SILVIA DESTEFANO3 | 4250 VETERANS MEMORIAL HWY,STE 1015 HOLBROOK, NY 11741 | AFLAC | $1K | $0 | $1K | 0.81% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $782 | $0 | $782 | 0.55% |
| GARRY HOFFMANN3 | PO BOX 482 SHOREHAM, NY 11786 | AFLAC | $742 | $0 | $742 | 0.52% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HWY,STE 1015 HOLBROOK, NY 11741 | AFLAC | $651 | $87 | $738 | 0.52% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE, STE 312 GARDEN CITY, NY 11530 | AFLAC | $569 | $0 | $569 | 0.40% |
| BENEDETTO V. CRACCO3 Filed as: BENEDETTO CRACCO | 38 MUNSON CT. MELVILLE, NY 11747 | AFLAC | $520 | $0 | $520 | 0.37% |
| MICHAEL S CHILLE3 | 22 CORP WOODS BLVD 4TH FLOOR ALBANY, NY 11221 | AFLAC | $418 | $0 | $418 | 0.30% |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM LOEFFERT | 555 BROADHOLLOW RD STE 201 MELVILLE, NY 11747 | AFLAC | $92 | $0 | $92 | 0.06% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $88 | $0 | $88 | 0.06% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI III INC | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $81 | $0 | $81 | 0.06% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $49 | $0 | $49 | 0.03% |
| ALAN MARKOWITZ3 | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $30 | $0 | $30 | 0.02% |
| PAUL J. LIBERATORE3 Filed as: PAUL LIBERATORE | 121 MOCKINGBIRD LN DELRAY BEACH, FL 33445 | AFLAC | $14 | $0 | $14 | 0.01% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $8 | $0 | $8 | 0.01% |
| ROBERT KUSTEK3 | 12 BAXTER AVENUE NEW HYDE PARK, NY 11040 | AFLAC | $8 | $0 | $8 | 0.01% |
| GARY DESTEFANO3 | 23 LEHIGH DR SMITHTOWN, NY 11787 | AFLAC | $7 | $0 | $7 | 0.00% |
| NEFUS STYPE AGENCY, INC.3 | 711 UNION AVE PO BOX 2340 AQUEBOGUE, NY 11931 | AFLAC | $4 | $0 | $4 | 0.00% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $3 | $0 | $3 | 0.00% |
| KATHERINE C WOOD3 Filed as: KATHERINE GRIMES | PO BOS 906 FOLLY BEACH, SC 29439 | AFLAC | $2 | $0 | $2 | 0.00% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $2 | $0 | $2 | 0.00% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | 32 HASKEL LANE STONYBROOK, NY 11790 | AFLAC | $1 | $0 | $1 | 0.00% |
| KLINOCH CONSULTING GROUP INC3 | 25 MELVILLE PARK RD SUITE 260 MELVILLE, NY 11747 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $8K | $0 | $8K | 8.87% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $425 | $13 | $438 | 7.93% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HWY,STE 1015 HOLBROOK, NY 11741 | AFLAC | $149 | $0 | $149 | 2.70% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HWY,STE 1015 HOLBROOK, NY 11741 | AFLAC | $93 | $2 | $95 | 1.72% |
| KENNETH MEIER3 | 401 FRANKLIN AVE, STE 312 GARDEN CITY, NY 11530 | AFLAC | $37 | $0 | $37 | 0.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 CONTRACT ADMINISTRATION | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Float revenue Service code 12 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 462044903 | $227K |
| KLINOCH CONSULTING GROUP INC EIN 20-8333487 COMMISSIONS | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 25 MELIVLLE PARK RD SUITE 260 MELVILLE, NY 11747 | $86K |
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 | 350 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 350 | $88K |
| Other(3 contracts, 2 carriers) | AFLAC | 350 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.