| 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 | $157K | $157K | 5.74% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $818 | $818 | 0.03% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $818 | $8K | 7.67% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 10.86% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $0 | $6K | 15.00% |
| 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 | 5.50% |
| 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% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $0 | $1K | 12.24% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DRIVE EAST MEADOW, NY 11554 | AFLAC | $433 | $0 | $433 | 4.10% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD, SUITE 105E MELVILLE, NY 11747 | AFLAC | $376 | $0 | $376 | 3.56% |
| S BEIN INC3 Filed as: S BEIN INC. | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $333 | $0 | $333 | 3.15% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $159 | $0 | $159 | 1.51% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $124 | $0 | $124 | 1.17% |
| JOSEPH COURCY3 | 7283 ROUMARE RD EAST SYRACUSE, NY 13057 | AFLAC | $49 | $0 | $49 | 0.46% |
| THE HABERMAN GROUP INC3 Filed as: THE HABERMAN GROUP INC. | 145 MARCUS BLVD SUITE 4 HAUPPAUGE, NY 11788 | AFLAC | $48 | $0 | $48 | 0.45% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $32 | $0 | $32 | 0.30% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $29 | $0 | $29 | 0.27% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $27 | $0 | $27 | 0.26% |
| JOANNA FERGUSON3 | 242 WEST END AVENUE MASSAPEQUA, NY 11758 | AFLAC | $26 | $0 | $26 | 0.25% |
| BARBARA ANN MEYER3 Filed as: BARBARA MEYER | 6 HICKORY LN LEVITTOWN, NY 11756 | AFLAC | $25 | $0 | $25 | 0.24% |
| TODD J BURKE CORP3 | 365 STEWART AVE APT A14 GARDEN CITY, NY 11530 | AFLAC | $23 | $0 | $23 | 0.22% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $12 | $0 | $12 | 0.11% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER INC. | 2188 NESCONSET HWY 250 STONY BROOK, NY 11790 | AFLAC | $7 | $0 | $7 | 0.07% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $6 | $0 | $6 | 0.06% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | $0 | $6 | 0.06% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $1 | $0 | $1 | 0.01% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $757 | $0 | $757 | 9.99% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NC 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $472 | $0 | $472 | 14.99% |
| CHRISTINE KIRK3 | 44 EMILY LN WARWICK, RI 02886 | AFLAC | $103 | $0 | $103 | 3.31% |
| STEVEN WILLIAM BEINHORN3 Filed as: STEVEN BEINHORN | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $101 | $0 | $101 | 3.24% |
| RONALD MONIZ3 | 3909 SANTA CLARA LN NORTH FORT MYERS, FL 33903 | AFLAC | $55 | $0 | $55 | 1.77% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DR EAST MEADOW, NY 11554 | AFLAC | $31 | $0 | $31 | 1.00% |
| WILLIAM H KIRK3 Filed as: WILLIAM KIRK | 110 JEFFERSON BLVD. WARWICK, RI 02888 | AFLAC | $27 | $0 | $27 | 0.87% |
| TODD BURKE3 | 365 STEWART AVE APT A14 GARDEN CITY, NY 11530 | AFLAC | $17 | $0 | $17 | 0.55% |
| KENNETH MEIER3 | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $6 | $0 | $6 | 0.19% |
| 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 | $397 | $0 | $397 | 14.40% |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 352 | 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 | 256 | $2.7M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 190 | $153K |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 302 | $27K |
| Life insurance(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 351 | $52K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 49 | $3K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 351 | $39K |
| Other(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 351 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.