| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $6K | $6K | $12K | 19.54% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $7K | $7K | 12.27% |
| MJ INSURANCE3 Filed as: EPSIX, INC. & VARIOUS AGENTS | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $2K | $505 | $3K | 4.57% |
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | AFLAC | $2K | $0 | $2K | 2.60% |
| BENEDETTO V. CRACCO3 | 36 MUNSON COURT MELVILLE, NY 11747 | AFLAC | $1K | $0 | $1K | 2.53% |
| DEGATI & ASSOCIATES INC3 | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $775 | $78 | $853 | 1.46% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVENUE BEECHHURST, NY 11357 | AFLAC | $536 | $0 | $536 | 0.92% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $378 | $53 | $431 | 0.74% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $397 | — | $397 | 0.68% |
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.53% |
| EPSIX, INC.3 | 3300 NORTH SCOTTSDALE ROAD SUITE 4020 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.18% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: RICHARD HICKOK | 63 ACADEMY STREET GREENWICH, NY 12834 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.88% |
| DEGATI & ASSOCIATES INC3 | 16059 23RD AVENUE WHITESTONE, NY 11357 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $624 | $0 | $624 | 2.31% |
| DENISE POIRIER3 Filed as: DENISE COTE POIRIER | 41 BENZ STREET ANSONIA, CT 06401 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $611 | $0 | $611 | 2.26% |
| PEREGRINE CONSULTING LLC3 Filed as: PEREGRINE CONSULTING LLC & AGENTS | 162 BODINE ROAD BERWYN, PA 19312 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $356 | $9 | $365 | 1.35% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVENUE, SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $251 | $101 | $352 | 1.30% |
| VANGUARD II INC3 | UNKNOWN MELVILLE, NY 11747 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.08% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $491 | $491 | 4.68% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 119 | $60K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 119 | $60K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 333 | $37K |
| Short-term disability | AFLAC | 55 | $58K |
| Other(2 contracts, 2 carriers) | AFLAC | 333 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.