| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 3220 WEST 57TH STREET NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 6.96% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $4K | $163 | $4K | 12.79% |
| MJ INSURANCE3 Filed as: SAL RESTIVO INS. AND VARIOUS AGENTS | 32 HASKEL LANE STONEY BROOK, NY 11790 | AFLAC | $614 | — | $614 | 2.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: RUHLE RISK MANAGEMENT | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $496 | $33 | $529 | 1.73% |
| WILLIAM WHICHER3 Filed as: WILLIAM H. WHICHER | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $391 | $33 | $424 | 1.39% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER, CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $368 | $33 | $401 | 1.31% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER, INC. | 2188 NESCONSET HIGHWAY 250 STONEY BROOK, NY 11790 | AFLAC | $162 | $0 | $162 | 0.53% |
| STEVEN BASSIN3 Filed as: STEVEN L. BASSIN | 45A HERITAGE DRIVE NEW CITY, NY 10956 | AFLAC | $136 | — | $136 | 0.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $805 | — | $805 | 3.36% |
| GUNDERMANN & GUNDERMANN INC3 Filed as: GUNDERMANN AND GUNDERMANN, INC. | 175 WEST CARVER STREET HUNTINGTON, NY 11743 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $653 | — | $653 | 2.73% |
| FRANK M. DELAPE3 | 150 BROADHOLLOW ROAD, SUITE 209 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $653 | — | $653 | 2.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 9.56% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HM LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| WALTER POPPE4 | 1002 AUBURN STREET FRANKLIN SQUARE, NY 11010 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $179 | — | $179 | 13.95% |
| LOUIS C. CILIBERTI AND ASSOC. LTD4 | 1800 WALT WHITMAN ROAD, SUITE 100 MELVILLE, NY 11747 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $63 | — | $63 | 4.91% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 137 | $125K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 79 | $12K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 195 | $19K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 69 | $24K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 137 | $0 |
| Other(3 contracts, 3 carriers) | AFLAC | 195 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.