| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $122K | $122K | 2.75% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 7.12% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | $0 | $7K | 15.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 9.64% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD SUITE 105 MELVILLE, NY 11747 | DELTA DENTAL OF RHODE ISLAND | $2K | $0 | $2K | 5.00% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.00% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $613 | $0 | $613 | 4.05% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD, SUITE 105E MELVILLE, NY 11747 | AFLAC | $481 | $0 | $481 | 3.18% |
| S BEIN INC3 Filed as: S BEIN INC. | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $373 | $0 | $373 | 2.46% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DR NEW YORK, NY 10956 | AFLAC | $213 | $0 | $213 | 1.41% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $139 | $0 | $139 | 0.92% |
| MICHELLE MONTENEGRO3 | 5 ELYSE DR NEW CITY, NY 10956 | AFLAC | $59 | $0 | $59 | 0.39% |
| JOSEPH COURCY3 | 7283 ROUMARE RD EAST SYRACUSE, NY 13057 | AFLAC | $57 | $0 | $57 | 0.38% |
| THE HABERMAN GROUP INC3 Filed as: THE HABERMAN GROUP INC. | 145 MARCUS BLVD SUITE 4 HAUPPAUGE, NY 11788 | AFLAC | $52 | $0 | $52 | 0.34% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $45 | $0 | $45 | 0.30% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $37 | $0 | $37 | 0.24% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $33 | $0 | $33 | 0.22% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $31 | $0 | $31 | 0.20% |
| JOANNA FERGUSON3 | 242 WEST END AVENUE MASSAPEQUA, NY 11758 | AFLAC | $30 | $0 | $30 | 0.20% |
| TODD J BURKE CORP3 | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $29 | $0 | $29 | 0.19% |
| BARBARA A. MEYER3 Filed as: BARBARA A MEYER | 6 HICKORY LN LEVITTOWN, NY 11756 | AFLAC | $28 | $0 | $28 | 0.18% |
| BRADLEY S RUPPEL3 | 70 VICTORIA DRIVE HILTON HEAD ISLAND, SC 29926 | AFLAC | $14 | $0 | $14 | 0.09% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER INC. | 2168 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $8 | $0 | $8 | 0.05% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $7 | $0 | $7 | 0.05% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $4 | $0 | $4 | 0.03% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $0 | $1K | 11.73% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NC 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $573 | $0 | $573 | 15.01% |
| CHRISTINE KIRK3 | 44 EMILY LN WARWICK, RI 02886 | AFLAC | $113 | $0 | $113 | 3.30% |
| STEVEN WILLIAM BEINHORN3 | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $111 | $0 | $111 | 3.25% |
| RONALD MONIZ3 Filed as: RONALD M MONIZ | 3909 SANTA CLARA LN NORTH FORT MYERS, FL 33903 | AFLAC | $60 | $0 | $60 | 1.75% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DR EAST MEADOW, NY 11554 | AFLAC | $34 | $0 | $34 | 0.99% |
| WILLIAM H KIRK3 | 399 JEFFERSON BLVD. WARWICK, RI 02886 | AFLAC | $30 | $0 | $30 | 0.88% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 23 W MEADOW RD SETAUKET, NY 11733 | AFLAC | $19 | $0 | $19 | 0.56% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $7 | $0 | $7 | 0.20% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | $0 | $1 | 0.03% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $403 | $0 | $403 | 14.06% |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 278 | $4.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 199 | $188K |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 300 | $27K |
| Life insurance(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 335 | $62K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 49 | $3K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 335 | $43K |
| Other(5 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 335 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.