| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $181K | $0 | $181K | 2.83% |
| ALAN MARKOWITZ3 | 17 LINDSEY PLACE HOLDBROOK, NY 11741 | AFLAC | $7K | $309 | $7K | 4.19% |
| JAIME M. BAUM3 Filed as: JAIME BAUM | 22 WILLOW POND LAKE MILLER PLACE, NY 11764 | AFLAC | $6K | $379 | $7K | 3.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 85 CHESTNUT RIDGE ROAD SUITE 214 MONTVALE, NJ 07645 | AFLAC | $6K | $0 | $6K | 3.25% |
| SHAUN T KONIOR3 Filed as: SHAUN KONIOR | 1410 MITCHEL FIELD WAY GARDEN CITY, NY 11530 | AFLAC | $3K | $0 | $3K | 1.73% |
| ROBERT KUSTEK3 | 12 BAXTER AVENUE NEW HYDE PARK, NY 11040 | AFLAC | $2K | $109 | $2K | 1.29% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $2K | $136 | $2K | 1.27% |
| STEPHEN BELLAMY3 | 22 CATALPA LANE VALLEY STREAM, NY 11581 | AFLAC | $2K | $0 | $2K | 0.98% |
| SHARON NEIMANIS3 | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $2K | $0 | $2K | 0.88% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES | 14107 20TH AVE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $1K | $85 | $2K | 0.87% |
| PATRICK R. RUHLE AND OTHER AGENTS3 Filed as: PATRICK RUHLC | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $1K | $0 | $1K | 0.76% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $923 | $86 | $1K | 0.57% |
| KENNETH C MEIER CORP3 Filed as: KENNETH CMEIER CORP | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $825 | $0 | $825 | 0.47% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | 32 HASKELL LANE STONYBROOK, NY 11790 | AFLAC | $709 | $0 | $709 | 0.40% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $280 | $0 | $280 | 0.16% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAGUA, NY 10514 | AFLAC | $161 | $0 | $161 | 0.09% |
| DOROTHY HOFFMAN3 | 255 SOUTH 13TH STREET 1 LINDENHURST, NY 11757 | AFLAC | $141 | $0 | $141 | 0.08% |
| PATRICIA RUPPEL3 | 3223 DUNESIDE DRIVE HUTCHINSON ISLAND, FL 34949 | AFLAC | $138 | $0 | $138 | 0.08% |
| BENITO A ROTONDI3 Filed as: BENITO A ROTONDI INC | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $136 | $0 | $136 | 0.08% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN GLASER | 85 ARLINGTON ROAD LAKE RONKONKOMA, NY 11779 | AFLAC | $93 | $0 | $93 | 0.05% |
| WALTER THOMAS BONILLA3 Filed as: WALTER BONILLA | 9 LONGLEAF LANE MEDFORD, NY 11763 | AFLAC | $92 | $0 | $92 | 0.05% |
| CHRISTOPHER BERNAZZANI3 | 90 BOX 341 GREENVALE, NY 11548 | AFLAC | $87 | $0 | $87 | 0.05% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $78 | $0 | $78 | 0.04% |
| MARTIN F. CONROY3 Filed as: MARTIN CONROY | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $73 | $1 | $74 | 0.04% |
| JUSTIN DI GIORGI3 | 2897 JERUSALEM AVE WANTAGH, NY 11793 | AFLAC | $67 | $0 | $67 | 0.04% |
| MARGARET BRESLIN3 | 250 WINDWARD DRIVE PORT JEFFERSON, NY 11777 | AFLAC | $51 | $0 | $51 | 0.03% |
| JAMISON SKALA3 | 407 PINE DRIVE BAY SHORE, NY 11706 | AFLAC | $46 | $0 | $46 | 0.03% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C ATTN AFLAC NEW YORK, NY 10005 | AFLAC | $37 | $0 | $37 | 0.02% |
| ANN SADOFSKY3 | 2910 MONSIGNOR HALPIN PLACE BRONX, NY 10465 | AFLAC | $26 | $0 | $26 | 0.01% |
| STEPHEN J BONILLA3 Filed as: STEPHEN BONILLA | 18 LIBRARY LANE HOLBROOK, NY 11741 | AFLAC | $25 | $0 | $25 | 0.01% |
| S BEIN INC3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $23 | $0 | $23 | 0.01% |
| KATHERINE C WOOD3 Filed as: KATHERINE GRIMES | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $22 | $0 | $22 | 0.01% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE SUITE 201 JERICHO, NY 11753 | AFLAC | $21 | $0 | $21 | 0.01% |
| GEORGE J BROOKS3 Filed as: GEORGE BROOKS | 2352 S MAIN STREET APT 3 FALL RIVER, MA 02724 | AFLAC | $18 | $0 | $18 | 0.01% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $18 | $0 | $18 | 0.01% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $18 | $0 | $18 | 0.01% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $14 | $0 | $14 | 0.01% |
| RICHARD COWIT3 | 58 CRESTWOOD LANE FARMINGVILLE, NY 11738 | AFLAC | $5 | $9 | $14 | 0.01% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $10 | $0 | $10 | 0.01% |
| TERRY J SILVERS3 Filed as: TERRY TOUYSITHIPHONEXAY | 8 STEVEN STREET PLAINVIEW, NY 11803 | AFLAC | $9 | $0 | $9 | 0.01% |
| SJRDK ATTN REID KLEINMAN3 Filed as: SJRDK ATTN REID KLIENMAN | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $9 | $0 | $9 | 0.01% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO MAUTARELLI | P.O. BOX 767 MATTITUCK, NY 11952 | AFLAC | $6 | $3 | $9 | 0.01% |
| GEORGE SOLOMON3 | 169 HORTON AVENUE MATTITUCK, NY 11952 | AFLAC | $3 | $6 | $9 | 0.01% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $2 | $0 | $2 | 0.00% |
| SILVIA DESTEFANO3 | 4250 VETERANS MEMORIAL HWY STE 1015W HOLBROOK, NY 11741 | AFLAC | $1 | $0 | $1 | 0.00% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | AFLAC | $1 | $0 | $1 | 0.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD STE 105E MELVILLE, NY 11747 | AFLAC | $0 | $0 | $0 | 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 | $51K |
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 | 587 | 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) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 587 | $6.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $544K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,072 | $6.9M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $721K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $544K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $544K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 587 | $6.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,072 | — |
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.