| 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 | -$257 | $0 | -$257 | -0.01% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $0 | $8K | 6.93% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 10.56% |
| 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 | 5.65% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 15.00% |
| 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 | $1K | $14 | $1K | 5.97% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD, SUITE 105E MELVILLE, NY 11747 | AFLAC | $711 | $0 | $711 | 4.04% |
| S BEIN INC3 Filed as: S BEIN INC. | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $438 | $5 | $443 | 2.52% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $280 | $4 | $284 | 1.61% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $241 | $0 | $241 | 1.37% |
| SHARON NEIMANIS3 | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $109 | $0 | $109 | 0.62% |
| JOSEPH COURCY3 | 7283 ROUMARE RD EAST SYRACUSE, NY 13057 | AFLAC | $61 | $0 | $61 | 0.35% |
| SHAUN T KONIOR3 Filed as: SHAUN KONIOR | 31 STRATFORD GRN FARMINGDALE, NY 11735 | AFLAC | $58 | $0 | $58 | 0.33% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $56 | $0 | $56 | 0.32% |
| THE HABERMAN GROUP INC3 Filed as: THE HABERMAN GROUP INC. | 145 MARCUS BLVD SUITE 4 HAUPPAUGE, NY 11788 | AFLAC | $52 | $0 | $52 | 0.30% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $36 | $0 | $36 | 0.20% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $33 | $0 | $33 | 0.19% |
| JOANNA FERGUSON3 | 242 WEST END AVENUE MASSAPEQUA, NY 11758 | AFLAC | $33 | $0 | $33 | 0.19% |
| TODD J BURKE CORP3 | 401 E 80TH STREET APT 6J NEW YORK, NY 10075 | AFLAC | $30 | $0 | $30 | 0.17% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $29 | $0 | $29 | 0.16% |
| BARBARA ANN MEYER3 Filed as: BARBARA MEYER | 6 HICKORY LN LEVITTOWN, NY 11756 | AFLAC | $28 | $0 | $28 | 0.16% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $14 | $0 | $14 | 0.08% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $12 | $0 | $12 | 0.07% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER INC. | 2188 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $8 | $0 | $8 | 0.05% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $7 | $0 | $7 | 0.04% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $2 | $0 | $2 | 0.01% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $0 | $1K | 12.05% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $633 | $0 | $633 | 9.99% |
| CHRISTINE KIRK3 | 44 EMILY LN WARWICK, RI 02886 | AFLAC | $122 | $0 | $122 | 3.32% |
| STEVEN WILLIAM BEINHORN3 Filed as: STEVEN BEINHORN | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $119 | $0 | $119 | 3.23% |
| RONALD MONIZ3 | 20335 PATRIOT WAY WEST GREENWICH, RI 02817 | AFLAC | $65 | $0 | $65 | 1.77% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DR EAST MEADOW, NY 11554 | AFLAC | $36 | $0 | $36 | 0.98% |
| WILLIAM H KIRK3 Filed as: WILLIAM KIRK | 110 JEFFERSON BLVD. WARWICK, RI 02888 | AFLAC | $32 | $0 | $32 | 0.87% |
| TODD BURKE3 | 401 E 80TH STREET APT 6J NEW YORK, NY 10075 | AFLAC | $20 | $0 | $20 | 0.54% |
| KENNETH MEIER3 | 11835 QUEENS BLVD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $8 | $0 | $8 | 0.22% |
| 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 | $346 | $0 | $346 | 14.50% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NC 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $331 | $0 | $331 | 14.99% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $106 | $0 | $106 | 10.04% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 340 | 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 | 262 | $2.5M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 197 | $161K |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 300 | $26K |
| Life insurance(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 331 | $42K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 47 | $2K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 331 | $36K |
| Other(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 331 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.