| 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 | $3K | $3K | 5.46% |
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $3K | $0 | $3K | 5.46% |
| KATHRYN GEISS AND OTHER AGENTS3 | 2 HARVEST HILL LANE HUNTINGTON, NY 11743 | AFLAC | $2K | $4 | $2K | 3.42% |
| BENEDETTO V. CRACCO3 Filed as: BENEDETTO V CRACCO | 36 MUNSON COURT MELVILLE, NY 11747 | AFLAC | $1K | $0 | $1K | 2.86% |
| VANGUARD II INC3 | 155 PINELAWN ROAD SUITE 210N MELVILLE, NY 11747 | AFLAC | $1K | $0 | $1K | 2.15% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI AND ASSOCIATES INC | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $651 | $16 | $667 | 1.36% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $383 | $0 | $383 | 0.78% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVENUE BEECHHURST, NY 11357 | AFLAC | $379 | $0 | $379 | 0.77% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $312 | $4 | $316 | 0.64% |
| VANGUARD II INC3 | 155 PINELAWN ROAD SUITE 210N MELVILLE, NY 11747 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.33% |
| EPSIX, INC.3 Filed as: EPSIX INC | 13924 EAST DYER LANE SCOTTDALE, AZ 85262 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $51 | $0 | $51 | 0.27% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI AND ASSOCIATES INC | 16059 23RD AVENUE WHITESTONE, NY 11357 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $39 | $0 | $39 | 0.20% |
| PEREGRINE CONSULTING LLC3 | 162 BODINE ROAD BERWYN, PA 19312 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVENUE, SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| FRANK T SCALESE3 | 2200 NORTHERN BOUELVARD SUITE 200 EAST HILLS, NY 11548 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| VANGUARD II INC3 Filed as: VANGUARD LLC | UKNOWN MELVILLE, NY 11747 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.89% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | UKNOWN BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | $525 | $525 | 4.96% |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 108 | $51K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 108 | $51K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 279 | $30K |
| Short-term disability | AFLAC | 48 | $49K |
| Other(2 contracts, 2 carriers) | AFLAC | 279 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.