| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $41K | $0 | $41K | 3.62% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $18K | $18K | 1.59% |
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | AFLAC | $4K | $60 | $4K | 6.93% |
| MJ INSURANCE3 Filed as: RICHARD PETERSON AND VARIOUS AGENTS | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $4K | $63 | $4K | 5.92% |
| BENEDETTO V. CRACCO3 | 36 MUNSON COURT MELVILLE, NY 11747 | AFLAC | $2K | $0 | $2K | 2.59% |
| RACHAEL HICKOK3 | 63 ACADEMY STREET GREENWICH, NY 12834 | AFLAC | $1K | $0 | $1K | 2.32% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI AND ASSOCIATES INC | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $1K | $134 | $1K | 2.29% |
| EPSIX, INC.3 | 3015 NORTH SCOTTSDALE ROAD SUITE 1210 SCOTTSDALE, AZ 85251 | AFLAC | $1K | $0 | $1K | 2.24% |
| DENISE POIRIER3 Filed as: DENISE C. POIRIER | 116 WEST WALK WEST HAVEN, CT 06516 | AFLAC | $813 | $0 | $813 | 1.33% |
| EPSIX, INC.3 | 3015 NORTH SCOTTSDALE ROAD SUITE 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 42.38% |
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 40.79% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVENUE, SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $578 | $3K | 12.52% |
| RACHAEL HICKOK3 | 63 ACADEMY STREET GREENWICH, NY 12834 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.24% |
| DENISE POIRIER3 Filed as: DENISE COTE POIRIER | 116 WEST WALK WEST HAVEN, CT 06516 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.14% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI AND ASSOCIATES INC | 16059 23RD AVENUE WHITESTONE, NY 11357 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.12% |
| PEREGRINE CONSULTING LLC3 Filed as: PEREGRINE GONSULTING & OTHER AGENTS | 162 BODINE ROAD BERWYN, PA 19312 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $963 | $24 | $987 | 4.64% |
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.29% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $583 | $583 | 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 | 368 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 137 | $1.1M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 137 | $1.1M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 137 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 368 | $33K |
| Short-term disability | AFLAC | 63 | $61K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 137 | $1.1M |
| Other(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 368 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
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.