| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $290 | $11K | 7.16% |
| KATZ WILLIAM3 | 990 STEWART AVENUE, SUTIE 200 GARDEN CITY, NY 11530 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $7K | — | $7K | 6.82% |
| KEYARX CAPITAL ADVISORS3 | 732 NEWMAN SPRINGS ROAD, 2ND FLOOR LINCROFT, NJ 07738 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | — | $3K | $3K | 3.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $2K | — | $2K | 2.29% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $3K | $292 | $3K | 11.80% |
| MJ INSURANCE3 Filed as: SAL RESTIVO INS. AND VARIOUS AGENTS | 32 HASKEL LANE STONEY BROOK, NY 11790 | AFLAC | $702 | — | $702 | 2.39% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: RUHLE RISK MANAGEMENT | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $449 | $59 | $508 | 1.73% |
| WILLIAM WHICHER3 | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $368 | $59 | $427 | 1.45% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $170 | $40 | $210 | 0.71% |
| STEVEN BASSIN3 | 45A HERITAGE DRIVE NEW CITY, NY 10958 | AFLAC | $183 | — | $183 | 0.62% |
| MARTIN F. CONROY3 Filed as: MARTIN CONROY | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $128 | — | $128 | 0.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 9.62% |
| 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 | $352 | — | $352 | 17.11% |
| DENNIS L MORGIONI4 Filed as: DENNIS L. MORGIONI | 530 HEALTHER BRITE CIRCLE APOPKA, FL 32712 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $63 | — | $63 | 3.06% |
| LOUIS C. CILIBERTI AND ASSOC. LTD4 | 1800 WALT WHITMAN ROAD, SUITE 100 MELVILLE, NY 11747 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $62 | — | $62 | 3.01% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 41 | $29K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 160 | $147K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 87 | $14K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 214 | $21K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 207 | $100K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 207 | $100K |
| Other(3 contracts, 3 carriers) | AFLAC | 214 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.