| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES, INC. | 7020 108TH STREET SUITE 5P FOREST HILLS, NY 113754426 | CIGNA INSURANCE | $68K | $3K | $70K | 5.34% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES, INC. | 7020 108TH STREET SUITE 5P FOREST HILLS, NY 113754426 | GUARDIAN INSURANCE | $4K | $0 | $4K | 12.80% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES, INC. | 7020 108TH STREET SUITE 5P FOREST HILLS, NY 113754426 | GUARDIAN INSURANCE | $2K | $0 | $2K | 11.70% |
| VINCENZO VENTURI3 | 14 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 21.72% |
| NY LIFE SECURITIES LLC3 | 51 MADISON AVENUE ROOM 606 - ATTENTION MARK BADLU NEW YORK, NY 10010 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $126 | $126 | 0.82% |
| DAVID CAPO3 | 2413 WOOD AVENUE BELLMORE, NY 11710 | AFLAC INSURANCE | $244 | $0 | $244 | 2.39% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES, INC. | 7020 108TH STREET SUITE 5P FOREST HILLS, NY 113754426 | AFLAC INSURANCE | $244 | $0 | $244 | 2.39% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC INSURANCE | $236 | $0 | $236 | 2.31% |
| SILVIA DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC INSURANCE | $127 | $0 | $127 | 1.24% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO V. MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC INSURANCE | $97 | $0 | $97 | 0.95% |
| GARY DESTEFANO3 | 23 LEHIGH DRIVE SMITHTOWN, NY 11787 | AFLAC INSURANCE | $85 | $0 | $85 | 0.83% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6168 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC INSURANCE | $71 | $0 | $71 | 0.70% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. ,EIER CORP. | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC INSURANCE | $43 | $0 | $43 | 0.42% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC INSURANCE | $41 | $0 | $41 | 0.40% |
| BRIAN C. FLETCHER3 | 15 GARDEN AVENUE CARLE PLACE, NY 11514 | AFLAC INSURANCE | $12 | $0 | $12 | 0.12% |
| THOMAS G GIORDANO3 Filed as: THOMAS G. GIORDANO | 139 CONCORD AVENUE OCEANSIDE, NY 11572 | AFLAC INSURANCE | $8 | $0 | $8 | 0.08% |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM J. LOEFFERT | 555 BROADHALLOW ROAD SUITE 201 MELVILLE, NY 11747 | AFLAC INSURANCE | $4 | $0 | $4 | 0.04% |
| GALE LOEFFERT3 | 545 DAVIS STREET NORTH BABYLON, NY 11703 | AFLAC INSURANCE | $4 | $0 | $4 | 0.04% |
| MATTHEW BORELLA3 | 700 KINDERKAMACK ROAD SUITE 102 ORADELL, NJ 07649 | ALLSTATE INSURANCE | $1K | $0 | $1K | 14.00% |
| SHER SPARANO3 Filed as: SHER SPORANO | 7020 108TH STREET SUITE 5P FOREST HILLS, NY 113754426 | ALLSTATE INSURANCE | $757 | $0 | $757 | 7.54% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES, INC. | 7020 108TH STREET SUITE 5P FOREST HILLS, NY 113754426 | FIRST UNIM LIFE INSURANCE COMPANY | $213 | $0 | $213 | 2.50% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA INSURANCE | 158 | $1.3M |
| Dental | CIGNA INSURANCE | 158 | $1.3M |
| Vision | CIGNA INSURANCE | 158 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | AFLAC INSURANCE | 21 | $20K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN INSURANCE | 224 | $26K |
| Long-term disability | GUARDIAN INSURANCE | 117 | $35K |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 17 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.