| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $2K | $2K | 4.61% |
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | $0 | $2K | 4.61% |
| KATHRYN GEISS AND OTHER AGENTS3 Filed as: KATHRYN F. GEISS AND OTHER AGENTS | 2 HARVEST HILL LANE HUNTINGTON, NY 11743 | AFLAC | $1K | $2 | $1K | 3.31% |
| BENEDETTO V. CRACCO3 | 36 MUNSON COURT MELVILLE, NY 11747 | AFLAC | $983 | $0 | $983 | 2.44% |
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | AFLAC | $843 | $0 | $843 | 2.09% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI AND ASSOCIATES INC | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $482 | $8 | $490 | 1.22% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVENUE BEECHHURST, NY 11357 | AFLAC | $343 | $0 | $343 | 0.85% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $299 | $0 | $299 | 0.74% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $242 | $2 | $244 | 0.61% |
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $538 | $0 | $538 | 2.49% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $448 | $0 | $448 | 2.07% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI AND ASSOCIATES INC | 16059 23RD AVENUE WHITESTONE, NY 11357 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $170 | $0 | $170 | 0.79% |
| RACHEL HICKOK3 | 63 ACADEMY STREET GREENWICH, NY 12834 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $105 | $0 | $105 | 0.49% |
| PEREGRINE CONSULTING LLC3 Filed as: PEREGRINE CONSULTING & OTHER AGENTS | 162 BODINE ROAD BERWYN, PA 19312 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $66 | $11 | $77 | 0.36% |
| DENISE POIRIER3 Filed as: DENISE COTE POIRER | 41 BENZ STREET ANSONIA, CT 06401 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $61 | $0 | $61 | 0.28% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVENUE, SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $42 | $11 | $53 | 0.25% |
| VANGUARD II INC3 | UNKNOWN MELVILLE, NY 11747 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.78% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | UNKNOWN BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $429 | $429 | 4.93% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 112 | $54K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 112 | $54K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 307 | $30K |
| Short-term disability | AFLAC | 49 | $40K |
| Other(2 contracts, 2 carriers) | AFLAC | 307 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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."
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.