| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 0.29% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 5.29% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $192 | $4K | 16.96% |
| HEFFERNAN INSURANCE BROKERS3 | 35 PINELAWN RD., STE 105E MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| S BEIN INC3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $597 | $7 | $604 | 4.78% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $575 | $20 | $595 | 4.71% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN RD., SUITE 105E MELVILLE, NY 117473111 | AFLAC | $410 | — | $410 | 3.24% |
| TOOD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $192 | $7 | $199 | 1.57% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $93 | $7 | $100 | 0.79% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $77 | — | $77 | 0.61% |
| JOSEPH COURCY3 | 7283 ROUMARE RD EAST SYRACUSE, NY 13057 | AFLAC | $58 | — | $58 | 0.46% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $51 | — | $51 | 0.40% |
| THE HABERMAN GROUP INC2 | 145 MARCUS BLVD., SUITE 4 HAUPPAUGE, NY 11788 | AFLAC | $39 | — | $39 | 0.31% |
| BARBARA A. MEYER3 Filed as: BARBARA A MEYER | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $21 | — | $21 | 0.17% |
| BRADLEY S RUPPEL3 | 363 GOOD HOPE ROAD BLUFFTON, SC 29909 | AFLAC | $10 | — | $10 | 0.08% |
| ROBIN BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $2 | — | $2 | 0.02% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | FIRST UNUM LIFE INSURANCE COMPANY | $876 | $66 | $942 | 11.66% |
| STEVEN WILLIAM BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $465 | — | $465 | 20.04% |
| MARK GRUNDLEGER3 Filed as: MARK B SANDERS | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | AFLAC | $135 | — | $135 | 5.82% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $61 | — | $61 | 2.63% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $38 | — | $38 | 1.64% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | ONE SEAPORT PLAZA, 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $20 | — | $20 | 0.86% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | GUARDIAN | $202 | — | $202 | 10.02% |
| NMP PLANNING CO. INC3 Filed as: NMP PLANNING CO. INC. | 118-35 QUEENS BLVD., SUITE 1230 FORREST HILLS, NY 11375 | GUARDIAN | -$7 | — | -$7 | -0.35% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 317 | $1.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 317 | $1.7M |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 229 | $23K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 282 | $32K |
| Short-term disability | GUARDIAN | 51 | $2K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 328 | $26K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 282 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.