| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $164K | $0 | $164K | 2.91% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY | HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $369 | $0 | $369 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $18K | $18K | 2.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 85 CHESTNUT RIDGE RD MONTVALE, NJ 07645 | AFLAC | $4K | $0 | $4K | 2.94% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $4K | $99 | $4K | 2.92% |
| JAIME M. BAUM3 Filed as: JAIME M BAUM | 22 WILLOW PON LAN MILLER PLACE, NY 11764 | AFLAC | $4K | $159 | $4K | 2.84% |
| SHAUN T KONIOR3 | 1410 MITCHEL FIELD WAY GARDEN CITY, NY 11530 | AFLAC | $3K | $3 | $3K | 2.43% |
| SHARON NEIMANIS3 | 45 OLD OX RD MANHASSET, NY 11030 | AFLAC | $2K | $15 | $2K | 1.26% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA STE 410 GARDEN CITY, NY 11530 | AFLAC | $1K | $3 | $1K | 1.06% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HOLBROOK, NY 11741 | AFLAC | $1K | $55 | $1K | 0.97% |
| ROBERT KUSTEK3 | 12 BAXTER AVE NEW HYDE PARK, NJ 11040 | AFLAC | $1K | $6 | $1K | 0.80% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES | 14107 20TH AVE WHITESTONE, NY 11357 | AFLAC | $824 | $6 | $830 | 0.64% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE GARDEN CITY, NY 11530 | AFLAC | $767 | $30 | $797 | 0.62% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $592 | $19 | $611 | 0.47% |
| DOROTHY HOFMANN3 | 255 S 13TH STREET #1 LINDENHURST, NY 11757 | AFLAC | $144 | $0 | $144 | 0.11% |
| MARTIN F. CONROY3 Filed as: MARTIN CONROY | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $101 | $12 | $113 | 0.09% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | 32 HASKEL LANE STONY BROOK, NY 11790 | AFLAC | $77 | $0 | $77 | 0.06% |
| WALTER THOMAS BONILLA3 Filed as: WALTER T BONILLA | 200 GARDEN CITY PLZ GARDEN CITY, NY 11530 | AFLAC | $75 | $0 | $75 | 0.06% |
| CHRISTOPHER BERNAZZANI3 | PO BOX 341 GREENVALE, NY 11548 | AFLAC | $71 | $0 | $71 | 0.06% |
| JUSTIN DI GIORGI3 Filed as: JUSTIN DIGIORGI | 2897 JERUSALEM AVE WANTAGH, NY 11793 | AFLAC | $70 | $0 | $70 | 0.05% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HWY HOLBROOK, NY 11741 | AFLAC | $65 | $0 | $65 | 0.05% |
| ANTHONY ORGERA3 | 14 WALL ST NY, NY 10005 | AFLAC | $53 | $0 | $53 | 0.04% |
| JAMISON SKALA3 | 407 PINE DR BAYSHORE, NY 11706 | AFLAC | $49 | $0 | $49 | 0.04% |
| BRIAN WHITE3 | — | AFLAC | $24 | $7 | $31 | 0.02% |
| ANN SADOFSKY3 | 2910 MONSIGNOR PLACE BRONX, NY 10465 | AFLAC | $29 | $0 | $29 | 0.02% |
| BENITO A ROTONDI II INC3 | — | AFLAC | $20 | $7 | $27 | 0.02% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $26 | $0 | $26 | 0.02% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $26 | $0 | $26 | 0.02% |
| STEPHEN J BONILLA3 Filed as: STEPHEN BONILLA | 18 LIBRARY LN HOLBROOK, NY 11741 | AFLAC | $23 | $0 | $23 | 0.02% |
| GEORGE J BROOKS3 | 2352 S MAIN ST FALL RIVER, MA 02724 | AFLAC | $17 | $0 | $17 | 0.01% |
| PATRICIA RUPPEL3 | — | AFLAC | $14 | $0 | $14 | 0.01% |
| TERRY J SILVERS3 Filed as: TERRY TOUYSITHIPHONEXAY | — | AFLAC | $9 | $0 | $9 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN GLASER | — | AFLAC | $7 | $0 | $7 | 0.01% |
| THE GARVIN GROUP LTD3 Filed as: THE GARVIN GROUP | 140 BROADWAY NY, NY 10005 | AFLAC | $6 | $0 | $6 | 0.00% |
| STEPHEN BELLAMY3 | 22 CATALPA LAN VALLEY STREAM, NY 11581 | AFLAC | $6 | $0 | $6 | 0.00% |
| MARGARET BRESLIN3 | — | AFLAC | $4 | $0 | $4 | 0.00% |
| S BEIN INC3 | — | AFLAC | $3 | $0 | $3 | 0.00% |
| KATHERINE C WOOD3 Filed as: KATHERINE GRIMES | — | AFLAC | $2 | $0 | $2 | 0.00% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES DAVID CORP | — | AFLAC | $2 | $0 | $2 | 0.00% |
| TODD J BURKE CORP3 | — | AFLAC | $2 | $0 | $2 | 0.00% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | — | AFLAC | $1 | $0 | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | — | AFLAC | $1 | $0 | $1 | 0.00% |
| DAWN MASCHAS3 | — | AFLAC | $1 | $0 | $1 | 0.00% |
| CHRISTINA BIEBER3 Filed as: CHRISTINA BOZZA | — | AFLAC | $1 | $0 | $1 | 0.00% |
| SJRDK ATTN REID KLEINMAN3 Filed as: SJRDK ATTN REIN KLIENMAN | — | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL S CHILLE3 | — | AFLAC | $1 | $0 | $1 | 0.00% |
| CHRISTIAN M TULLY3 Filed as: CHRISTIAN TULLY | — | AFLAC | $1 | $0 | $1 | 0.00% |
| EUGEN VELEA3 Filed as: EUGEN LIBERMAN & MCINERENY GROUP | — | AFLAC | $1 | $0 | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHOICE STRATEGIES EIN 94-3351864 VENDOR | Claims processing; Contract Administrator Service code 12 | 76 MCNEIL ROAD WATERBURY CENTER, VT 05677 | $48K |
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 | 685 | 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) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 685 | $5.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,198 | $636K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,198 | $6.3M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,198 | $765K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,198 | $636K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,198 | $636K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 685 | $5.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,198 | $765K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,198 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.