| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOLID BENEFIT GUIDANCE3 | 85 CHESTNUT RIDGE ROAD SUITE 214 MONTVALE, NJ 07645 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $126K | $0 | $126K | 2.90% |
| KEVIN GARVIN3 | 120 BROADWAY NEW YORK, NY 10271 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $14 | $0 | $14 | 0.00% |
| SHAUN T KONIOR3 | 255 SOUTH 13TH ST LINDENHURST, NY 11757 | AFLAC | $2K | $64 | $3K | 3.03% |
| SHARON NEIMANIS3 | 45 OLD OX RD MANHASSET, NY 11030 | AFLAC | $1K | $64 | $1K | 1.73% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $1K | $176 | $1K | 1.67% |
| JAIME M. BAUM3 Filed as: JAIME M BAUM | 22 WILLOW PON LAN MILLER PLACE, NY 11764 | AFLAC | $1K | $73 | $1K | 1.58% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA STE 410 GARDEN CITY, NY 11530 | AFLAC | $1K | $13 | $1K | 1.29% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE GARDEN CITY, NY 11530 | AFLAC | $704 | $137 | $841 | 1.02% |
| SOLID BENEFIT GUIDANCE3 | 85 CHESTNUT RIDGE RD MONTVALE, NJ 07645 | AFLAC | $779 | $0 | $779 | 0.94% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 420 VETERANS MEMORIAL HOLBROOK, NY 11741 | AFLAC | $530 | $124 | $654 | 0.79% |
| ROBERT KUSTEK3 | 12 BAXTER AVE NEW HYDE PARK, NJ 11040 | AFLAC | $509 | $78 | $587 | 0.71% |
| THE GARVIN GROUP LTD3 Filed as: THE GARVIN GROUP | 140 BROADWAY NY, NY 10005 | AFLAC | $458 | $0 | $458 | 0.56% |
| STEPHEN BELLAMY3 | 22 CATALPA LAN VALLEY STREAM, NY 11581 | AFLAC | $183 | $0 | $183 | 0.22% |
| MARTIN F. CONROY3 Filed as: MARTIN CONROY | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $168 | $0 | $168 | 0.20% |
| RICHARD PETERSON3 | 21425 42ND AVE BAYSIDE, NY 11361 | AFLAC | $120 | $0 | $120 | 0.15% |
| DOROTHY HOFMANN3 | 255 S 13TH STREET #1 LINDENHURST, NY 11757 | AFLAC | $117 | $0 | $117 | 0.14% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | 32 HASKEL LAN STONY BROOK, NY 11790 | AFLAC | $75 | $0 | $75 | 0.09% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HWY HOLBROOK, NY 11741 | AFLAC | $70 | $0 | $70 | 0.08% |
| WALTER THOMAS BONILLA3 Filed as: WALTER T BONILLA | 200 GARDEN CITY PLZ GARDEN CITY, NY 11530 | AFLAC | $68 | $0 | $68 | 0.08% |
| CHRISTOPHER BERNAZZANI3 | PO BOX 341 GREENVALE, NY 11548 | AFLAC | $53 | $0 | $53 | 0.06% |
| JUSTIN DI GIORGI3 Filed as: JUSTIN DIGIORGI | 2897 JERUSALEM AVE WANTAGH, NY 11793 | AFLAC | $53 | $0 | $53 | 0.06% |
| ANTHONY ORGERA3 | 14 WALL ST NY, NY 10005 | AFLAC | $41 | $0 | $41 | 0.05% |
| JAMISON SKALA3 | 407 PINE DR BAYSHORE, NY 11706 | AFLAC | $39 | $0 | $39 | 0.05% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 363 GOOD HOPE RD BLUFFTON, SC 29909 | AFLAC | $29 | $0 | $29 | 0.04% |
| ANN SADOFSKY3 | 2910 MONSIGNOR PLACE BRONX, NY 10465 | AFLAC | $20 | $0 | $20 | 0.02% |
| TREVOR FENNELL3 | 820 N ORLEANS ST CHICAGO, IL 60610 | AFLAC | $20 | $0 | $20 | 0.02% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES | 14107 20TH AVE WHITESTON, NY 11357 | AFLAC | $16 | $0 | $16 | 0.02% |
| STEPHEN J BONILLA3 Filed as: STEPHEN BONILLA | 18 LIBRARY LN HOLBROOK, NY 11741 | AFLAC | $15 | $0 | $15 | 0.02% |
| GEORGE J BROOKS3 | 2352 S MAIN ST FALL RIVER, MA 02724 | AFLAC | $11 | $0 | $11 | 0.01% |
| TERRY J SILVERS3 Filed as: TERRY TOUYSITHIPHONEXAY | 8 STEVEN ST PLAINVIEW, NY 11803 | AFLAC | $8 | $0 | $8 | 0.01% |
| PATRICA RUPPEL3 | 363 GOOD HOPE RD OKATIE, SC 29909 | AFLAC | $2 | $0 | $2 | 0.00% |
| S BEIN INC3 | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $2 | $0 | $2 | 0.00% |
| SJRDK ATTN REID KLEINMAN3 Filed as: SJRDK | PO BOX 20565 NY, NE 10021 | AFLAC | $1 | $0 | $1 | 0.00% |
| DIANE VAN ALLEN3 | 8 LEIBROCK AVE LINDENHURST, NY 11757 | AFLAC | $1 | $0 | $1 | 0.00% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP | 35 PINELAWN RD MELVILLE, NY 11747 | AFLAC | $1 | $0 | $1 | 0.00% |
| TODD J BURKE CORP3 Filed as: TODD BURKE CORP | 2 IRIS LN GARDEN CITY, NE 11530 | AFLAC | $1 | $0 | $1 | 0.00% |
| SOLID BENEFIT GUIDANCE3 | 85 CHESTNUT RIDGE RD MONTVALE, NJ 07645 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.28% |
| HOWARD DILEMA3 | 55 BROADWAY NY, NE 10006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $807 | $776 | $2K | 10.69% |
| DANA SUMMERS3 Filed as: DANA SENNO SUMMERS | 90 WEST ST NY, NY 10006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $484 | $689 | $1K | 7.92% |
| ABRAHAM OYEWO3 | 1039 E 227 ST BRONX, NY 10466 | THE PAUL REVERE LIFE INSURANCE COMPANY | $697 | $125 | $822 | 5.55% |
| KIMANI MATTHEW3 | 1113 E 212TH ST BRONX, NY 10469 | THE PAUL REVERE LIFE INSURANCE COMPANY | $424 | $239 | $663 | 4.48% |
| HELEN DIZ-HATTON3 | 4 PALMER LN ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $315 | $67 | $382 | 2.58% |
| KEVIN GARVIN3 Filed as: KEVIN FARVIN | 140 BROADWAY NY, NY 10005 | THE PAUL REVERE LIFE INSURANCE COMPANY | $189 | $0 | $189 | 1.28% |
| EVAN STOPOL3 | 139 E 35TH ST NY, NY 10016 | THE PAUL REVERE LIFE INSURANCE COMPANY | $189 | $0 | $189 | 1.28% |
| COLIN KELLY GARVIN3 Filed as: COLIN GARVIN | 800 WESTCHESTER AV RYEBROOK, NY 10573 | THE PAUL REVERE LIFE INSURANCE COMPANY | $136 | $12 | $148 | 1.00% |
| MICHELLE DARTEE3 | 12 MOONSHADOW CT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $61 | $0 | $61 | 0.41% |
| BRYAN GARVIN3 | 140 BROADWAY NY, NY 10005 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $13 | $32 | 0.22% |
| ROSEANN REYNOLDS3 | 163 CEDAR ST BRANDFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.10% |
| DAVID L FLEURY3 Filed as: DAVID FLEURY | 545 S MAIN ST PROVIDENCE, RI 02903 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.05% |
| MATTHEW PASHER3 | 280 9TH AVE NY, NY 10001 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.04% |
| RICHELLE JONES3 | 1831 MADISON AVE NY, NY 10035 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHOICE STRATEGIES EIN 54-2075442 VENDOR | Claims processing; Contract Administrator Service code 12 | 76 MCNEIL ROAD WATERBURY CENTER, VT 05677 | $40K |
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 | 529 | 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) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 529 | $4.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 933 | $381K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 529 | $4.3M |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 933 | $478K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 933 | $381K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 933 | $381K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 529 | $4.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 933 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 933 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.