| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SUITE 300 SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | $0 | $23K | 5.78% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $6K | $40K | 16.13% |
| LORAINE SOMMER INC3 Filed as: LORAINE BARBARA SOMMER | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $8K | $927 | $9K | 14.94% |
| SHANNON KIRKWOOD3 | 2424 42ND STREET, APARTMENT D5 ASTORIA, NY 11103 | AFLAC | $2K | $0 | $2K | 3.96% |
| TAMIKA M OXFORD3 Filed as: TAMIKA M. OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $1K | $646 | $2K | 3.67% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $1K | $152 | $1K | 2.22% |
| PATRICK R. RUHLE AND OTHER AGENTS3 Filed as: PATRICK R. RUHLE & OTHER AGENTS | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $522 | $16 | $538 | 0.93% |
| KELLY V ZURZOLO3 Filed as: KELLY V. ZURZOLO | 535 ABBEYWOOD DRIVE CARY, IL 60013 | AFLAC | $315 | $34 | $349 | 0.61% |
| EVELYN BERNFELD3 | 12 GORHAM LANE DIX HILLS, NY 11746 | AFLAC | $136 | $0 | $136 | 0.24% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SUITE 300 SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 6.12% |
| LORAINE SOMMER INC3 Filed as: LORAINE BARBARA SOMMER | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $2K | $367 | $3K | 11.03% |
| ROBERT LOUD & OTHER AGENTS3 | 23 ENSIGN ROAD NORWALK, CT 06853 | AFLAC | $650 | — | $650 | 2.55% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $262 | $82 | $344 | 1.35% |
| TAMIKA M OXFORD3 Filed as: TAMIKA M. OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $259 | $72 | $331 | 1.30% |
| EVELYN BERNFELD3 | 12 GORHAM LANE DIX HILLS, NY 11746 | AFLAC | $155 | $0 | $155 | 0.61% |
| JONATHAN TORRES3 | PO BOX 7016 WEST ORANGE, NJ 07052 | AFLAC | $131 | $0 | $131 | 0.51% |
| THOMAS MCMILLAN3 | 345 HIGHLAND AVENUE, SUITE 101 CHESHIRE, CT 06410 | AFLAC | $90 | $0 | $90 | 0.35% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER, INC. | 2168 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $606 | $12 | $618 | 5.07% |
| A C EDWARDS INC.3 Filed as: A C EDWARDS, INC. | 140 GREENE AVENUE SAYVILLE, NY 11782 | AFLAC | $236 | $0 | $236 | 1.93% |
| BARBARA FONTI3 Filed as: BARBARA FONTI & OTHER AGENTS | PO BOX 2214 HUNTINGTON, NY 11743 | AFLAC | $207 | $3 | $210 | 1.72% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $142 | $0 | $142 | 1.16% |
| PAUL S MANNA JR3 Filed as: PAUL S. MANNA JR | 201 WASHINGTON AVENUE PLEASANTVILLE, NY 10570 | AFLAC | $87 | $0 | $87 | 0.71% |
| EVELYN BERNFELD3 | 12 GORHAM LANE DIX HILLS, NY 11746 | AFLAC | $60 | $0 | $60 | 0.49% |
| TAMIKA M OXFORD3 Filed as: TAMIKA M. OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $48 | $3 | $51 | 0.42% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER, INC. | 2168 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $522 | $0 | $522 | 7.11% |
| A C EDWARDS INC.3 Filed as: A C EDWARDS, INC. | 140 GREENE AVENUE SAYVILLE, NY 11782 | AFLAC | $187 | $0 | $187 | 2.55% |
| COLIN MCVETTY3 Filed as: COLIN MCVETTY & OTHER AGENTS | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $163 | $0 | $163 | 2.22% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $63 | $0 | $63 | 0.86% |
| BARBARA FONTI3 | PO BOX 2214 HUNTINGTON, NY 11743 | AFLAC | $60 | $0 | $60 | 0.82% |
| NANCY LAPHAM3 Filed as: NANCY A. HOAGLAND | 223 BROOK STREET OAKDALE, NY 11769 | AFLAC | $39 | $0 | $39 | 0.53% |
| TAMIKA M OXFORD3 Filed as: TAMIKA M. OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $35 | $0 | $35 | 0.48% |
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 | 911 | 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) | 911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 649 | $436K |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 649 | $436K |
| Life insurance(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 911 | $353K |
| Short-term disability(4 contracts) | AFLAC | 59 | $103K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 911 | $251K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 911 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 911 | — |
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.