| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | CIGNA | $11K | $120K | $132K | 5.10% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA | $0 | $54K | $54K | 2.08% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | GUARDIAN INSURANCE | $3K | $0 | $3K | 4.53% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | CIGNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.10% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY | $0 | $144 | $144 | 1.01% |
| EMERY TYLER3 | 78 HURON DRIVE BAY SHORE, NY 11706 | AFLAC | $341 | $0 | $341 | 2.47% |
| JOHN E GLASER3 Filed as: JOHN E. GLASER | 85 ARLINGTON ROAD LAKE RONKONKOMA, NY 11779 | AFLAC | $238 | $0 | $238 | 1.72% |
| DAVID CAPO3 | 2563 OCEAN AVENUE BELLMORE, NY 11710 | AFLAC | $178 | $0 | $178 | 1.29% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | AFLAC | $148 | $0 | $148 | 1.07% |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | $141 | $0 | $141 | 1.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $139 | $0 | $139 | 1.00% |
| DOMENICO V MAUTARELLI3 | PO BOX 767 HOLBROOK, NY 11952 | AFLAC | $79 | $0 | $79 | 0.57% |
| JAQUES P DAVID CORPORATION3 Filed as: JAQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $57 | $0 | $57 | 0.41% |
| KENNETH C MEIER CORP Filed as: KENNETH C MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $55 | — | $55 | 0.40% |
| GARY DESTEFANO3 | 23 LEHIGH DR SMITHTOWN, NY 11787 | AFLAC | $53 | $0 | $53 | 0.38% |
| BRADLEY S RUPPEL3 | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $46 | $0 | $46 | 0.33% |
| SILVIA DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $45 | $0 | $45 | 0.33% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $37 | $0 | $37 | 0.27% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $24 | $0 | $24 | 0.17% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 12 ST THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $21 | $0 | $21 | 0.15% |
| BRIEN C FLETCHER3 | 15 GARDEN AVENUE CARLE PLACE, NY 11514 | AFLAC | $15 | $0 | $15 | 0.11% |
| THOMAS G GIORDANO3 Filed as: THOMAS G. GIORDANO | 139 CONCORD AVENUE OCEANSIDE, NY 11572 | AFLAC | $10 | $0 | $10 | 0.07% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 35 PINELAWN ROAD SUITE 190 MELVILLE, NY 11747 | AFLAC | $8 | $0 | $8 | 0.06% |
| BRIAN WHITE3 Filed as: BRIAN WHJITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $7 | $0 | $7 | 0.05% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | $0 | $6 | 0.04% |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM LOEFFERT | 545 DAVIS STREET NORTH BABYLON, NY 11703 | AFLAC | $5 | $0 | $5 | 0.04% |
| GALE LOEFFERT3 | 546 DAVIS STREET NORTH BABYLON, NY 11703 | AFLAC | $5 | $0 | $5 | 0.04% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $4 | $0 | $4 | 0.03% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP. | 40 MAXWELL ROAD GARDEN CITY, NY 11530 | AFLAC | $1 | $0 | $1 | 0.01% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | 248 ROUTE 25A SUITE 3009 EAST SETAUKET, NY 11733 | AFLAC | $1 | $0 | $1 | 0.01% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $313 | $0 | $313 | 2.50% |
| LISA BETH BEERS3 | 3830 GARDENS PARKWAY UNIT 1003 PALM BEACH, FL 33410 | FIRST UNUM LIFE INSURANCE COMPANY | $57 | $0 | $57 | 0.46% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | CIGNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.23% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY | $0 | $178 | $178 | 1.51% |
| VINCENZO VENTURI3 | 14 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $572 | $0 | $572 | 5.75% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $305 | $0 | $305 | 3.07% |
| PREMIER WORK-SITE SOLUTIONS3 Filed as: PREMIER WORK-SITE SOLUTIONS LLC | 700 KINDERLAMACK ROAD STE 205 ORADELL, NJ 07649 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $238 | $0 | $238 | 4.24% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $156 | $0 | $156 | 2.78% |
| MATTHEW BORELLA3 | PREMIER WORK-SITE SOLUTIONS LLC 700 KINDERLAMACK ROAD STE 205 ORADELL, NJ 07649 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $88 | $0 | $88 | 1.57% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | CIGNA LIFE INSURANCE COMPANY | $113 | $0 | $113 | 11.98% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY | $0 | $14 | $14 | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 INSURANCE PROVIDER | Other insurance fees and expenses Service code 73 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $121K |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 2,211 | $2.6M |
| Dental | CIGNA | 2,211 | $2.6M |
| Vision | CIGNA | 2,211 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY | 171 | $22K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN INSURANCE | 270 | $81K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY | 162 | $14K |
| Prescription drug | CIGNA | 2,211 | $2.6M |
| Other(7 contracts, 5 carriers) | GUARDIAN INSURANCE | 270 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,211 | — |
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.