| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP PLANNERS INC3 | 54 OCEAN AVENUE MASSAPEQUA PARK, NY 11762 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 4.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $713 | $2K | 3.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 2.67% |
| GROUP PLANNERS INC3 | 54 OCEAN AVENUE MASSAPEQUA PARK, NY 11762 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 4.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $713 | $2K | 3.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 2.67% |
| JOHN E GLASER3 | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $3K | $152 | $3K | 12.94% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $221 | $25 | $246 | 1.17% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $204 | — | $204 | 0.97% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $110 | — | $110 | 0.52% |
| KENNETH GRAF3 | 578 CENTER HILL RD PITTSBURGH, PA 15239 | AFLAC | $41 | — | $41 | 0.19% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $19 | — | $19 | 0.09% |
| ANN M PREDUN3 | 5765 BOZEMAN DR APT 1221 PLANO, TX 75024 | AFLAC | $17 | — | $17 | 0.08% |
| EHEALTHINSURANCE AGENCY3 | 11919 FOUNDATION PL STE 100 GOLD RIVER, CA 95670 | AFLAC | $15 | — | $15 | 0.07% |
| THOMAS J FESS3 | 8 TIFFANY CT LAKE GROVE, NY 11755 | AFLAC | $12 | — | $12 | 0.06% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $8 | — | $8 | 0.04% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | — | $6 | 0.03% |
| LARRY K GRIFFIN3 | 2333 DERRY CT MEDFORD, OR 97504 | AFLAC | $4 | — | $4 | 0.02% |
| MICKEY MELOY3 Filed as: MICKEY R MELOY | 2621 HAYDEN PL MEDFORD, OR 97504 | AFLAC | $4 | — | $4 | 0.02% |
| RAYMON P KEECH III3 | 4851 SOUTHAMPTON DR SE SALEM, OR 97302 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN E GLASER3 | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $3K | $152 | $3K | 12.94% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $221 | $25 | $246 | 1.17% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $204 | — | $204 | 0.97% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $110 | — | $110 | 0.52% |
| KENNETH GRAF3 | 578 CENTER HILL RD PITTSBURGH, PA 15239 | AFLAC | $41 | — | $41 | 0.19% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $19 | — | $19 | 0.09% |
| ANN M PREDUN3 | 5765 BOZEMAN DR APT 1221 PLANO, TX 75024 | AFLAC | $17 | — | $17 | 0.08% |
| EHEALTHINSURANCE AGENCY3 | 11919 FOUNDATION PL STE 100 GOLD RIVER, CA 95670 | AFLAC | $15 | — | $15 | 0.07% |
| THOMAS J FESS3 | 8 TIFFANY CT LAKE GROVE, NY 11755 | AFLAC | $12 | — | $12 | 0.06% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $8 | — | $8 | 0.04% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | — | $6 | 0.03% |
| LARRY K GRIFFIN3 | 2333 DERRY CT MEDFORD, OR 97504 | AFLAC | $4 | — | $4 | 0.02% |
| MICKEY MELOY3 Filed as: MICKEY R MELOY | 2621 HAYDEN PL MEDFORD, OR 97504 | AFLAC | $4 | — | $4 | 0.02% |
| RAYMON P KEECH III3 | 4851 SOUTHAMPTON DR SE SALEM, OR 97302 | AFLAC | $1 | — | $1 | 0.00% |
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 11762 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 14.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVC | 12404 PARK CENTRAL DR STE 400S DALLESQ, TX 752511814 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $880 | $880 | 5.00% |
| EMERSON REID LLC3 | 1000 GERMANTOWN PIKE STE C4 PLYMOUTH MEETING, PA 19462 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $0 | $0 | 0.00% |
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 11762 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 14.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVC | 12404 PARK CENTRAL DR STE 400S DALLESQ, TX 752511814 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $880 | $880 | 5.00% |
| EMERSON REID LLC3 | 1000 GERMANTOWN PIKE STE C4 PLYMOUTH MEETING, PA 19462 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $0 | $0 | 0.00% |
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 11762 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 11.20% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752511814 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $641 | $641 | 5.00% |
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 11762 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 11.20% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752511814 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $641 | $641 | 5.00% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 97 | $124K |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 97 | $124K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 118 | $26K |
| Long-term disability(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 119 | $35K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Other(4 contracts, 2 carriers) | AFLAC | 118 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.