| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $113K | $123K | 4.78% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $56K | $56K | 2.16% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | SHELTER POINT LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.22% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 9.14% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 6.49% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 14.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $1K | $1K | 6.49% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | FIRST UNUM LIEF INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| LISA BETH BEERS0 | 3830 GARDEN PARKWAY UNIT 1003 PALM BEACH, FL 33410 | FIRST UNUM LIEF INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 700 KINDERKAMACK ROAD SUITE 240 ORADELL, NJ 07649 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $406 | $0 | $406 | 4.00% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $216 | $0 | $216 | 2.13% |
| VINCENZO VENTURI3 | 14 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | FIRST UNUM LIEF INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 700 KINDERKAMACK ROAD SUITE 205 ORADELL, NJ 07649 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $286 | $0 | $286 | 6.00% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $137 | $0 | $137 | 2.88% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $317 | $0 | $317 | 14.43% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $143 | $143 | 6.51% |
| EMERY TYLER3 | 78 HUDSON DRIVE BAY SHORE, NY 11706 | AFLAC | — | — | $0 | — |
| JOHN E GLASER3 Filed as: JOHN E. GLASER | 85 ARLINGTON ROAD LAKE RONKONNOMA, NY 11779 | AFLAC | — | — | $0 | — |
| DAVID CAPO3 | 2563 OCEAN AVENUE BELLMORE, NY 11710 | AFLAC | — | — | $0 | — |
| ONEGROUP NY INC3 | 706 N CLINTON STREET ONCEGROUP CENTER SYRACUSE, NY 13204 | AFLAC | — | — | $0 | — |
| JANELLE M GADOMSKI3 Filed as: JANELLE M. GADOMSKI | 48 FAIRVIEW AVENUE PARK RIDGE, NJ 07656 | AFLAC | — | — | $0 | — |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | — | — | $0 | — |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO V. MAUTARELLI | PO BOX 767 HOLBROOK, NY 11741 | AFLAC | — | — | $0 | — |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | — | — | $0 | — |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | — | — | $0 | — |
| GARY DESTEFANO3 | 23 LEHIGH DR SMITHTOWN, NY 11787 | AFLAC | — | — | $0 | — |
| BRADLEY S RUPPEL3 Filed as: BRADLEY S. RUPPEL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | — | — | $0 | — |
| SILVIA DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | — | — | $0 | — |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | — | — | $0 | — |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | — | — | $0 | — |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | — | — | $0 | — |
| BRIEN C FLETCHER3 Filed as: BRIEN C. FLETCHER | 15 GARDEN AVENUE CARLE PLACE, NY 11514 | AFLAC | — | — | $0 | — |
| THOMAS G GIORDANO3 Filed as: THOMAS G. GIORDANO | 139 CONCORD AVENUE OCENSIDE, NY 11572 | AFLAC | — | — | $0 | — |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | — | — | $0 | — |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 35 PINELAWN ROAD SUITE 190 MELVILLE, NY 11747 | AFLAC | — | — | $0 | — |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II, INC. | 23 PINE RIDGE ROAD SARATOGA, NY 12856 | AFLAC | — | — | $0 | — |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | — | — | $0 | — |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM LOEFFERT | 545 DAVIS STREET NORTH BABYLON, NY 11703 | AFLAC | — | — | $0 | — |
| GALE LOEFFERT3 | 546 DAVOS STREET NORTH BABYLON, NY 11703 | AFLAC | — | — | $0 | — |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP | 40 MAXWELL ROAD GARDEN CITY, NY 11530 | AFLAC | — | — | $0 | — |
| SAL RESTIVO INSURANCE BROKERAGE COR3 Filed as: SAL RESTIVO INS BROKERAGE CORP | 248 ROUTE 25A SUITE 3009 EAST SETAUKET, NY 11733 | AFLAC | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 INSURANCE PROVIDER | Other insurance fees and expenses Service code 73 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $122K |
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 | 315 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $2.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 186 | $38K |
| Short-term disability(2 contracts, 2 carriers) | SHELTER POINT LIFE INSURANCE COMPANY | 315 | $94K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 186 | $22K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $2.6M |
| Other(7 contracts, 5 carriers) | SHELTER POINT LIFE INSURANCE COMPANY | 315 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.