| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, FLOOR 3 NEW YORK, NY 10019 | OXFORD HEALTH INSURANCE, INC. | $79K | $0 | $79K | 3.99% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | OXFORD HEALTH INSURANCE, INC. | $0 | $23K | $23K | 1.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, FLOOR 12 NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 7.25% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, FLOOR 3 NEW YORK, NY 10019 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $10K | $10K | 6.06% |
| WILLIAM WHICHER3 Filed as: WILLIAM H. WHICHER AND OTHER AGENTS | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $2K | $88 | $2K | 4.63% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $1K | $169 | $2K | 4.54% |
| ROBERT BEEGEL3 | 146 BAYVIEW AVENUE NORTHPORT, NY 11768 | AFLAC | $1K | $63 | $1K | 3.26% |
| ANTHONY CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $568 | $186 | $754 | 2.15% |
| GILBERTO DASILVA3 | 33 BARRYPARK COURT ALBERTSON, NY 11507 | AFLAC | $611 | $0 | $611 | 1.74% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TPKE STREET JERICHO, NY 11753 | AFLAC | $333 | $51 | $384 | 1.10% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $329 | $34 | $363 | 1.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 9.21% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $470 | $470 | 1.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, FLOOR 3 NEW YORK, NY 10019 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $3K | $474 | $3K | 15.58% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $137 | $0 | $137 | 0.61% |
| WALTER POPPE4 | 1002 AUBURN STREET FRANKLIN SQUARE, NY 11010 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $215 | $0 | $215 | 16.78% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 322 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $161K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $161K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 223 | $24K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 58 | $22K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 322 | $2.0M |
| Other(3 contracts, 3 carriers) | AFLAC | 223 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.