| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAIME M. BAUM3 | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $33K | $2K | $35K | 6.55% |
| ALLAN H. MARKOWITZ3 | 21996 SW TIVOLO WAY PORT SAINT LUCIE, FL 34986 | AFLAC | $13K | $734 | $14K | 2.62% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $12K | $961 | $13K | 2.48% |
| GIOVANNI ANTHONY CASSINO3 | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $12K | $446 | $13K | 2.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $6K | $0 | $6K | 1.13% |
| DIANA TERESA DILUCA3 Filed as: DIANA DILUCA | 23 HEDGEROW LN COMMACK, NC 11725 | AFLAC | $3K | $272 | $3K | 0.61% |
| DOMINIC VINCENT CASSINO3 Filed as: DOMINIC CASSINO | 45 GREENLAWN RD SOUND BEACH, NY 11789 | AFLAC | $3K | $79 | $3K | 0.61% |
| JULIA RATKIEWICZ3 | 23 CHRUCH STREET PORT JEFFERSON STATION, NY 11776 | AFLAC | $3K | $245 | $3K | 0.60% |
| ROSELLE SARDINA3 | 40 SABER DRIVE KINGS PARK, NY 11754 | AFLAC | $3K | $56 | $3K | 0.49% |
| JENNIFER DESTEFANO-CAMACHO3 | 41 HOMESTEAD LN LEVITTOWN, NY 11756 | AFLAC | $2K | $76 | $2K | 0.36% |
| ROBERT THOMAS JENSEN3 Filed as: ROBERT JENSEN | 2 SOUTHDALE CT HUNTINGTON, NY 11743 | AFLAC | $2K | $83 | $2K | 0.33% |
| JENNA ASHLEY CAROFANO3 Filed as: JENNA CAROFANO | 200 COUNTRY VILLAGE LN EAST ISLIP, NY 11730 | AFLAC | $2K | $83 | $2K | 0.31% |
| SHAUN T KONIOR3 Filed as: SHAUN | 100NW 62ND ST SUITE 1020 FT LAUDERDALE, FL 33309 | AFLAC | $2K | $0 | $2K | 0.29% |
| MJ INSURANCE3 Filed as: JANINE M. FEELEY AND VARIOUS AGENTS | 28 LAURELTON AVENUE LAKE GROVE, NY 11755 | AFLAC | $1K | $48 | $1K | 0.26% |
| ROBERT KUSTEK3 | 12 BAXTER AVE NEW HYDE PARK, NY 11040 | AFLAC | $1K | $5 | $1K | 0.24% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NC 11721 | AFLAC | $1K | $83 | $1K | 0.24% |
| ASAF ELDOR3 | 130 BARTON AVE PATCHOGUE, NY 11772 | AFLAC | $1K | $0 | $1K | 0.21% |
| ERICK CHARLES3 | 32 HOWARD DR CORAM, NY 11727 | AFLAC | $1K | $19 | $1K | 0.19% |
| CYNTHIA HARRIS3 | 97 CRYSTAL BROOK HOLLOW RD MOUNT SINAI, NY 11766 | AFLAC | $1K | $22 | $1K | 0.19% |
| YAHVIER SANCHEZ3 | 27 HALLOCK AVE SMITHTOWN, NY 11739 | AFLAC | $826 | $63 | $889 | 0.17% |
| STEPHEN BELLAMY3 | 22 CATALPA LN VALLEY STREAM, NY 11581 | AFLAC | $840 | $0 | $840 | 0.16% |
| GARY MARCUS3 | 1225 MCFADDEN DR EAST NORTHPORT, NY 11731 | AFLAC | $694 | $41 | $735 | 0.14% |
| JASON CONZO3 | 41 CHURCH RD GREAT RIVER, NY 11739 | AFLAC | $724 | $10 | $734 | 0.14% |
| DEREK WATTS3 | 1589 WADSWORTH PL BALDWIN, NY 11510 | AFLAC | $708 | $17 | $725 | 0.14% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $695 | $0 | $695 | 0.13% |
| SHARON NEIMANIS3 | 45 OLD OX RD MANHASSET, NY 11030 | AFLAC | $654 | $0 | $654 | 0.12% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $595 | $0 | $595 | 0.11% |
| DIANDRA STIPPEL3 | 2 SURREY LN MANORVILLE, NY 11949 | AFLAC | $589 | $0 | $589 | 0.11% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $376 | $0 | $376 | 0.07% |
| ERNEST DESTEFANO3 | 804 BRETTONWOODS DR CORAM, NY 11727 | AFLAC | $367 | $0 | $367 | 0.07% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $357 | $0 | $357 | 0.07% |
| SALVATORE A RESTIVO3 Filed as: SALVATORE RESTIVO | 248 ROUTE 25A #3009 EAST SETAUKET, NY 11733 | AFLAC | $337 | $0 | $337 | 0.06% |
| CHRISTINA PETITO3 | 42 STARFIRE DR CENTERREACH, NY 11720 | AFLAC | $315 | $0 | $315 | 0.06% |
| ANGELA GAROFALO3 | 584 PECAN ST LINDENHURST, NY 11757 | AFLAC | $297 | $0 | $297 | 0.06% |
| JOSETTE PARKER-DANIELS3 | 108 LAKE DR MEDFORD, NY 11763 | AFLAC | $281 | $14 | $295 | 0.06% |
| EZEQUIEL BANEGAS3 | 74 SAMPSON AVE ISLANDIA, NY 11749 | AFLAC | $273 | $0 | $273 | 0.05% |
| JUSTIN RINDNER3 | 271 BUICK PL EAST MEADOW, NY 11554 | AFLAC | $264 | $0 | $264 | 0.05% |
| CINDY CEPEDA3 | 58 S BICYCLE PATH SELDEN, NY 11784 | AFLAC | $233 | $0 | $233 | 0.04% |
| KUMAL NARINE3 | 3 19TH AVE BAY SHORE, NY 11706 | AFLAC | $195 | $38 | $233 | 0.04% |
| KYLE REYNOLDS3 | 7 MILLARD AVE MILLER PLACE, NY 11764 | AFLAC | $155 | $0 | $155 | 0.03% |
| JOSEPH MONTELEONE3 | 490 WHEELER RD HAUPPAUGE, NY 11788 | AFLAC | $145 | $0 | $145 | 0.03% |
| OLGA DRAGONE3 | 99 JOHN ST APT 220 NEW YORK, NY 10038 | AFLAC | $138 | $4 | $142 | 0.03% |
| DESTINY MORRISON3 | 287 COMMUNITY DR SMITHTOWN, NY 11787 | AFLAC | $133 | $3 | $136 | 0.03% |
| NICHOLAS SEATON3 | 63 ARPAGE DR E SHIRLEY, NY 11967 | AFLAC | $132 | $0 | $132 | 0.02% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 70 VICTORIA DR HILTON HEAD ISLAND, SC 29926 | AFLAC | $125 | $0 | $125 | 0.02% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $73 | $0 | $73 | 0.01% |
| BRIANA CODISPOTI3 | 54 PARK DR ROCKY POINT, NY 11778 | AFLAC | $73 | $0 | $73 | 0.01% |
| CHRISTOPHER BERNAZZANI3 | 160 LAKE AVE SAINT JAMES, NY 11780 | AFLAC | $69 | $0 | $69 | 0.01% |
| PATRICIA RUPPEL3 | 70 VICTORIA DR HILTON HEAD, SC 29926 | AFLAC | $67 | $0 | $67 | 0.01% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE SARATOGA SPRINGS, NY 12866 | AFLAC | $61 | $0 | $61 | 0.01% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SVCS OF THE WEST LLC | 120 BROADWAY NEW YORK, NY 10271 | AFLAC | $56 | $0 | $56 | 0.01% |
| VICTORIA HARRISON3 | 2 WANDA TER FARMINGVILLE, NY 11738 | AFLAC | $55 | $0 | $55 | 0.01% |
| WALTER THOMAS BONILLA3 Filed as: WALTER BONILLA | 9 LONGLEAF LN MEDFORD, NY 11763 | AFLAC | $55 | $0 | $55 | 0.01% |
| MICHAEL CAMARDI3 | 11 NARCISSUS DR SYOSSET, NY 11791 | AFLAC | $54 | $0 | $54 | 0.01% |
| SAREENA MULLON-MERINO3 | 28 LINWOOD RD N PORT WASHINGTON, NY 11050 | AFLAC | $49 | $0 | $49 | 0.01% |
| MARTIN F. CONROY3 Filed as: MARTIN CONROY | P.O. BOX 475 HOBOKEN, NJ 07030 | AFLAC | $42 | $0 | $42 | 0.01% |
| BEICHEN XU3 | 233 MARTIN DR SYOSSET, NC 11791 | AFLAC | $35 | $0 | $35 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN GLASER | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $34 | $0 | $34 | 0.01% |
| JACQUELINE MASCOLO3 | 31 S COLUMBIA ST PORT JEFFERSON STATION, NY 11776 | AFLAC | $26 | $0 | $26 | 0.00% |
| ANTHONY LOUIS3 | 228 SAINT JAMES AVE N SAINT JAMES, NY 11780 | AFLAC | $26 | $0 | $26 | 0.00% |
| MARGARET BRESLIN3 | 336 ALFRED ST NORTH BABYLON, NY 11703 | AFLAC | $26 | $0 | $26 | 0.00% |
| TAMIKA M OXFORD3 Filed as: TAMIKA OXFORD | 186 DELAWARE AVE FREEPORT, NY 11520 | AFLAC | $25 | $0 | $25 | 0.00% |
| DONALD ERIC HOYER3 Filed as: DONALD HOYER | 44 REYNOLDS DR LIDO BEACH, NY 11561 | AFLAC | $25 | $0 | $25 | 0.00% |
| TARA NEWMAN3 | 20 TERRANCE LN PATCHOGUE, NY 11772 | AFLAC | $24 | $0 | $24 | 0.00% |
| STEPHEN J BONILLA3 Filed as: STEPHEN BONILLA | 18 LIBRARY LN HOLBROOK, NY 11741 | AFLAC | $23 | $0 | $23 | 0.00% |
| DOMINICK BRESCIA3 | 27 PINE CONE ST MIDDLE ISLAND, NY 11953 | AFLAC | $23 | $0 | $23 | 0.00% |
| JUSTIN DI GIORGI3 | 2897 JERUSALEM AVE WANTAGH, NY 11793 | AFLAC | $20 | $0 | $20 | 0.00% |
| ERICKA ANNE BOLTE3 Filed as: ERICKA BOLTE | 167 BERRY ST VALLEY STREAM, NC 11580 | AFLAC | $13 | $4 | $17 | 0.00% |
| S BEIN INC3 | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $17 | $0 | $17 | 0.00% |
| MICHELLE EASTON3 | 168 ELMWOOD ST VALLEY STREAM, NY 11581 | AFLAC | $15 | $0 | $15 | 0.00% |
| STEOHEN FLECKER3 | 356 MIDDLE COUNTRY RD SUITE 207 CORAM, NY 11727 | AFLAC | $12 | $0 | $12 | 0.00% |
| DOROTHY HOFMANN3 | 789 PRE EMPTION RD SUITE 300215 GENEVA, NC 14456 | AFLAC | $12 | $0 | $12 | 0.00% |
| GARY LEVINE3 Filed as: GARY LEVINE & ASSOC LTD | 445 BROADHOLLOW RD SUITE 119 MELVILLE, NY 11747 | AFLAC | $10 | $0 | $10 | 0.00% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $8 | $0 | $8 | 0.00% |
| BRYAN LEE3 | 2664 DOROTHY ST BELLMORE, NY 11710 | AFLAC | $7 | $1 | $8 | 0.00% |
| JACQUELYN WILLIAMS3 | 684 TAYLOR HILL RD GRANVILLE, NY 12832 | AFLAC | $7 | $0 | $7 | 0.00% |
| TODD BURKE3 | 199 WATER ST FLOOR 23 NEW YORK, NY 10038 | AFLAC | $7 | $0 | $7 | 0.00% |
| PILOT BENEFITS GROUP LLC3 | 6 BIRCHFIELD CT CORAM, NY 11727 | AFLAC | $6 | $0 | $6 | 0.00% |
| DENISE WALL3 | 7 NEW MILL RD SMITHTOWN, NY 11787 | AFLAC | $2 | $3 | $5 | 0.00% |
| MELISSA STEWART3 | 36 WINCOMA LN QUEENSBURY, NY 12804 | AFLAC | $4 | $0 | $4 | 0.00% |
| KRISTA ANNE ROTONDI3 Filed as: KRISTA ROTONDI | 5 HEMPHILL PL SUITE 220 BALLSTON SPA, NY 12020 | AFLAC | $3 | $0 | $3 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 323 WEST LAKESIDE AVE. SUITE 410 CLEVELAND, OH 44113 | GUARDIAN | $0 | $11K | $11K | 2.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM BLUE CROSS | $2K | $282 | $2K | 5.03% |
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 | 696 | 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) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 584 | $383K |
| Vision | ANTHEM BLUE CROSS | 949 | $39K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 584 | $966K |
| Short-term disability | GUARDIAN | 584 | $383K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 584 | $468K |
| Other(2 contracts, 2 carriers) | AFLAC | 584 | $918K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 949 | — |
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.