| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $33K | $7K | $41K | 2.61% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $6K | $0 | $6K | 5.00% |
| 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 | 5.73% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 11.58% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | SUN LIFE ASSURANCE COMPANY OF CANADA | $282 | $0 | $282 | 0.99% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.79% |
| HEFFERNAN INSURANCE BROKERS3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $707 | $0 | $707 | 3.21% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $1K | $52 | $1K | 6.79% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD, SUITE 105E MELVILLE, NY 11747 | AFLAC | $939 | $0 | $939 | 4.45% |
| S BEIN INC3 Filed as: S BEIN INC. | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $915 | $10 | $925 | 4.39% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $293 | $10 | $303 | 1.44% |
| SHARON NEIMANIS3 | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $145 | $0 | $145 | 0.69% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $116 | $0 | $116 | 0.55% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $106 | $0 | $106 | 0.50% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $85 | $0 | $85 | 0.40% |
| SHAUN T KONIOR3 Filed as: SHAUN KONIOR | 1410 MITCHEL FIELD WAY GARDEN CITY, NY 11530 | AFLAC | $77 | $0 | $77 | 0.37% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $60 | $0 | $60 | 0.28% |
| JOSEPH COURCY3 | 7283 ROUMARE RD EAST SYRACUSE, NY 13057 | AFLAC | $56 | $0 | $56 | 0.27% |
| THE HABERMAN GROUP INC3 Filed as: THE HABERMAN GROUP INC. | 145 MARCUS BLVD SUITE 4 HAUPPAUGE, NY 11788 | AFLAC | $52 | $0 | $52 | 0.25% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $38 | $0 | $38 | 0.18% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE SUITE 200 WALNUT CREEK, CA 94596 | AFLAC | $37 | $0 | $37 | 0.18% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $33 | $0 | $33 | 0.16% |
| JOANNA FERGUSON3 | 242 WEST END AVENUE MASSAPEQUA, NY 11758 | AFLAC | $31 | $0 | $31 | 0.15% |
| BARBARA ANN MEYER3 Filed as: BARBARA MEYER | 6 HICKORY LN LEVITTOWN, NY 11756 | AFLAC | $28 | $0 | $28 | 0.13% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $21 | $0 | $21 | 0.10% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $16 | $0 | $16 | 0.08% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $14 | $0 | $14 | 0.07% |
| ROBIN BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $12 | $0 | $12 | 0.06% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER INC. | 2188 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $8 | $0 | $8 | 0.04% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $2 | $0 | $2 | 0.01% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.70% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $612 | $0 | $612 | 3.07% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.03% |
| CHRISTINE KIRK3 | 44 EMILY LN WARWICK, RI 02886 | AFLAC | $248 | $55 | $303 | 8.80% |
| STEVEN WILLIAM BEINHORN3 Filed as: STEVEN BEINHORN | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $162 | $29 | $191 | 5.55% |
| RONALD MONIZ3 | 82 OAK CREST DR RIVERSIDE, RI 02915 | AFLAC | $83 | $11 | $94 | 2.73% |
| WILLIAM H KIRK3 Filed as: WILLIAM KIRK | 110 JEFFERSON BLVD. WARWICK, RI 02888 | AFLAC | $47 | $11 | $58 | 1.68% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DR EAST MEADOW, NY 11554 | AFLAC | $31 | $0 | $31 | 0.90% |
| TODD BURKE3 | 1 SEAPORT PLZ 23RD FL NEW YORK, NY 10038 | AFLAC | $17 | $0 | $17 | 0.49% |
| KENNETH MEIER3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $6 | $0 | $6 | 0.17% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | $0 | $1 | 0.03% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $211 | $0 | $211 | 10.01% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 280 | $1.6M |
| Dental(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 150 | $152K |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 233 | $22K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 277 | $28K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 39 | $2K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 252 | $29K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 277 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.