| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $4K | $27K | 15.40% |
| ALLIANT INSURANCE SERVICES, INC.3 | 60 CROSSWAYS PARK DRIVE WEST SUITE 305 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SUITE 300 SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $1K | $10K | 7.88% |
| PROFESSIONAL GROUP PLANS INC3 | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $4K | $4K | 3.60% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $10K | $0 | $10K | 29.55% |
| TAMIKA M OXFORD3 Filed as: TAMIKA OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $909 | $0 | $909 | 2.76% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $837 | $0 | $837 | 2.55% |
| MJ INSURANCE3 Filed as: JUSTIN ABRAHAM AND VARIOUS AGENTS | 3841 HIGHPOINT DRIVE ALLENTOWN, PA 18103 | AFLAC | $116 | $0 | $116 | 0.35% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $95 | $0 | $95 | 0.29% |
| JAMES A RUSH3 Filed as: JAMES RUSH | 2118 GRUVER AVENUE EASTON, PA 18045 | AFLAC | $55 | $0 | $55 | 0.17% |
| GEORGE PADRON3 | 11 SOUTH CENTRAL AVENUE APARTMENT 2115 PHOENIX, AZ 85004 | AFLAC | $42 | $0 | $42 | 0.13% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $5K | $3 | $5K | 18.66% |
| MJ INSURANCE3 Filed as: MICHAEL ZORN AND VARIOUS AGENTS | 10573 VERSAILLES BOULEVARD WELLINGTON, FL 33449 | AFLAC | $805 | $1 | $806 | 2.74% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $635 | $0 | $635 | 2.16% |
| TAMIKA M OXFORD3 Filed as: TAMIKA OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $517 | $0 | $517 | 1.76% |
| JONATHAN TORRES3 | PO BOX 7016 WEST ORANGE, NJ 07052 | AFLAC | $216 | $0 | $216 | 0.74% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $108 | $0 | $108 | 0.37% |
| ROBERT LOUD & OTHER AGENTS3 Filed as: ROBERT LOUD | 23 ENSIGN ROAD NORWALK, CT 06853 | AFLAC | $83 | $0 | $83 | 0.28% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $2K | $30 | $2K | 7.64% |
| MJ INSURANCE3 Filed as: BARBARA FONTI AND VARIOUS AGENTS | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $490 | $0 | $490 | 2.25% |
| A C EDWARDS INC.3 Filed as: A C EDWARDS INC | 140 GREENE AVENUE SAYVILLE, NY 11782 | AFLAC | $375 | $0 | $375 | 1.72% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $247 | $7 | $254 | 1.17% |
| TAMIKA M OXFORD3 Filed as: TAMIKA OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $148 | $7 | $155 | 0.71% |
| PAUL S MANNA JR3 Filed as: PAUL MANNA | 201 WASHINGTON AVENUE PLEASANTVILLE, NY 10570 | AFLAC | $104 | $0 | $104 | 0.48% |
| EVELYN BERNFELD3 Filed as: EVELYN BERFELD | 12 GORHAM LANE DIX HILLS, NY 11746 | AFLAC | $80 | $0 | $80 | 0.37% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $616 | $0 | $616 | 3.92% |
| A C EDWARDS INC.3 Filed as: A C EDWARDS INC | 140 GREENE AVENUE SAYVILLE, NY 11782 | AFLAC | $442 | $0 | $442 | 2.81% |
| MJ INSURANCE3 Filed as: ROBERT MOSS AND VARIOUS AGENTS | 2304 WESTLAKE COURT OCEANSIDE, NY 11572 | AFLAC | $253 | $0 | $253 | 1.61% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $174 | $0 | $174 | 1.11% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $107 | $0 | $107 | 0.68% |
| NANCY HOAGLAND3 | 223 BROOK STREET OAKDALE, NY 11769 | AFLAC | $58 | $0 | $58 | 0.37% |
| KENNETH MEIER3 | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $51 | $0 | $51 | 0.32% |
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 | 782 | 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) | 782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 302 | $122K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 302 | $122K |
| Life insurance(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 782 | $273K |
| Short-term disability(4 contracts) | AFLAC | 45 | $100K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 782 | $173K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 782 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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.