| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUNDERMANN & GUNDERMANN INC3 Filed as: GUNDERMANN AND GUNDERMANN | 175 WEST CARVER STREET HUNTINGTON, NY 11743 | EMPIRE HEALTHCHOICE HMO, INC. | $4K | $0 | $4K | 0.80% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE HMO, INC. | $4K | $0 | $4K | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES INC. | UNKNOWN KINGS PARK, NY 11754 | EMBLEMHEALTH | $4K | $0 | $4K | 2.40% |
| JOHN E GLASER3 Filed as: JOHN E. GLASER | 85 ARLINGTON ROAD LAKE RONKONKOMA, NY 11779 | AFLAC | $8K | $324 | $8K | 8.55% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY S. RUPPEL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $2K | $68 | $2K | 2.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES INC. | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | AFLAC | $2K | $0 | $2K | 2.16% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $1K | $65 | $1K | 1.38% |
| KENNETH C MEIER CORP3 Filed as: KENNETH MEIER CORP AND OTHER AGENTS | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $907 | $0 | $907 | 0.96% |
| PATRICIA RUPPEL3 | 3923 DUNESIDE DRIVE HUTCHINSON ISLAND, FL 34949 | AFLAC | $551 | $0 | $551 | 0.58% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $440 | $0 | $440 | 0.46% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 16.03% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE SOUTH, 6TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $953 | $953 | 2.69% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | -$12 | -$4 | -$16 | -0.05% |
| EMERSON REID LLC3 | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $3K | $2K | $5K | 18.70% |
| GUNDERMANN & GUNDERMANN INC3 Filed as: GUNDERMANN AND GUNDERMANN | 175 WEST CARVER STREET HUNTINGTON, NY 11743 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.23% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $599 | $0 | $599 | 6.10% |
| EMERSON REID LLC3 | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $293 | $255 | $548 | 18.67% |
| ILENE LITTMAN4 | 312 WOODHULL AVENUE PORT JEFFERSON STATION, NY 11776 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $321 | $0 | $321 | 14.97% |
| MARKS BENEFIT GROUP4 | 3201 DURANGO DRIVE PEARLAND, TX 77581 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $12 | $0 | $12 | 0.56% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE HMO, INC. | 256 | $645K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $10K |
| Vision | EMPIRE HEALTHCHOICE HMO, INC. | 52 | $494K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 248 | $28K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 210 | $35K |
| Prescription drug(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE HMO, INC. | 256 | $645K |
| Other(3 contracts, 3 carriers) | AFLAC | 248 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
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.