| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 6.96% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $4K | $166 | $4K | 10.53% |
| ANTHONY CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $3K | $0 | $3K | 8.03% |
| MJ INSURANCE3 Filed as: ALISSA CAVALLARO AND VARIOUS AGENTS | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $1K | $0 | $1K | 3.04% |
| ROBERT BEEGEL3 | 146 BAYVIEW AVENUE NORTHPORT, NY 11768 | AFLAC | $757 | $0 | $757 | 1.85% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 CARDEN CITY, NY 11530 | AFLAC | $626 | $33 | $659 | 1.61% |
| WILLIAM WHICHER3 | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $533 | $33 | $566 | 1.39% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $536 | $0 | $536 | 1.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $2K | $0 | $2K | 8.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 9.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $53 | $53 | 0.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HM LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HM LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 15.00% |
| WALTER POPPE4 | 1002 AUBURN STREET FRANKLIN SQUARE, NY 11010 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $114 | $0 | $114 | 10.02% |
| DENNIS L MORGIONI4 | 530 HEATHER BRITE CIRCLE APOPKA, FL 32712 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $21 | $0 | $21 | 1.85% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 152 | $151K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY OF NEW YORK | 109 | $24K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 234 | $25K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 61 | $25K |
| Other(3 contracts, 3 carriers) | AFLAC | 234 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.