| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA HEALTH & LIFE INSURANCE CO | $39K | — | $39K | 9.68% |
| HEALTHY BUSINESS GROUP LLC3 | 33 IRVING PLACE SUITE 7210 NEW YORK, NY 10003 | CIGNA HEALTH & LIFE INSURANCE CO | — | $22K | $22K | 5.41% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH & LIFE INSURANCE CO | — | $15K | $15K | 3.87% |
| PENSION & WEALTH CONSULTANTS LLC3 | 320 S SERVICE ROAD MELVILLE, NY 11747 | AFLAC | $14K | — | $14K | 14.97% |
| JAIME M. BAUM3 Filed as: JAIME BAUM | 22 WILLOW POND LN MILLER PLACE, NY 11764 | AFLAC | $8K | $2K | $10K | 11.11% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $4K | $486 | $5K | 4.95% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEPHANO | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $3K | $428 | $3K | 3.31% |
| BRIEN C FLETCHER3 | 15 GARDEN AVE CARLE PLACE, NY 11514 | AFLAC | $60 | — | $60 | 0.07% |
| GREGORY MALONEY3 | 1300 VETERANS HWY SUITE 210 HAUPPAUGE, NY 11788 | AFLAC | $27 | — | $27 | 0.03% |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM LOEFFERT | 555 BROADHOLLOW ROAD SUITE 201 MELVILLE, NY 11747 | AFLAC | $26 | — | $26 | 0.03% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $24 | — | $24 | 0.03% |
| SUSAN WIENER ENTERPRISES LLC3 | 115 BROADHOLLOW RD SUITE 375 MELVILLE, NY 11747 | AFLAC | $19 | — | $19 | 0.02% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DR FARMINGTON, CT 06032 | AFLAC | $19 | — | $19 | 0.02% |
| TYLER RUPPEL3 | 125 JERICHO TPKE SUITE 201 JERICHO, NY 11753 | AFLAC | $18 | — | $18 | 0.02% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $11 | — | $11 | 0.01% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $10 | — | $10 | 0.01% |
| GALE LOEFFERT3 | 545 DAVIS STREET NORTH BABYLON, NY 11703 | AFLAC | $8 | — | $8 | 0.01% |
| FINANCIAL LIBERTY GROUP3 Filed as: FINANCIAL LIBERTY GROUP, INC. | 115 BROADHOLLOW ROAD SUITE 375 MELVILLE, NY 11747 | AFLAC | $8 | — | $8 | 0.01% |
| ANTHONY P DELUCA3 Filed as: ANTHONY ROMEO | 1300 VETERANS HWY SUITE 210 HAUPPAUGE, NY 11788 | AFLAC | $7 | — | $7 | 0.01% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BLVD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $4 | — | $4 | 0.00% |
| JAQUES P DAVID CORPORATION3 | 125 JERICHO TPKE SUITE 201 JERICHO, NY 11753 | AFLAC | $3 | — | $3 | 0.00% |
| LOUIS R FAIOLA3 | 12 HAAWK COURT DELMAR, NY 12054 | AFLAC | $2 | — | $2 | 0.00% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $1 | — | $1 | 0.00% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $1 | — | $1 | 0.00% |
| KATHERINE C WOOD3 Filed as: KATHERINE GRIMES | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $0 | — | $0 | 0.00% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ SUITE 410 RUHLE RISK MANAGEMENT GARDEN CITY, NY 11530 | AFLAC | $0 | — | $0 | 0.00% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $0 | — | $0 | 0.00% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $0 | — | $0 | 0.00% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 7.99% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 3.96% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 7.45% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 4.00% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $366 | — | $366 | 1.39% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $315 | $315 | 1.20% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 11.37% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $647 | $647 | 4.01% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $530 | — | $530 | 3.29% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $195 | $195 | 1.21% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 9.27% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $529 | $529 | 4.05% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $244 | — | $244 | 1.87% |
| DONALD C SAVOY INC3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $152 | $152 | 1.16% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $744 | — | $744 | 11.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 308 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $303 | — | $303 | 4.48% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 308 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $257 | — | $257 | 3.80% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $69 | — | $69 | 1.02% |
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 | 159 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE CO | 125 | $398K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $43K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $7K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 190 | $13K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 188 | $26K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 190 | $16K |
| Other(3 contracts, 3 carriers) | AFLAC | 205 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.