| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | EMBLEM HEALTH | $4K | — | $4K | 4.00% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | $1K | $5K | 7.46% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 5.00% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | $969 | $4K | 10.38% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 5.00% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | $600 | $3K | 16.36% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 5.00% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | $387 | $2K | 13.68% |
| DONALD C SAVOY INC3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $664 | $664 | 5.00% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $631 | — | $631 | 7.81% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $321 | $321 | 3.97% |
| JAIME M. BAUM3 Filed as: JAIME BAUM | 22 WILLOW POND LN MILLER PLACE, NY 11764 | AFLAC | $449 | $285 | $734 | 9.49% |
| PENSION & WEALTH CONSULTANTS LLC3 | 320 S SERVICE ROAD MELVILLE, NY 11747 | AFLAC | $544 | — | $544 | 7.04% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $189 | $27 | $216 | 2.79% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEPHANO | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $110 | $27 | $137 | 1.77% |
| INTEGRATED BROKERAGE SERVICES, INC.3 Filed as: INTEGRATED BROKERAGE SERVICES INC | 303 SUNNYSIDE BLVD UNITE 25 PLAINVIEW, NY 11803 | AFLAC | $27 | — | $27 | 0.35% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL PASQUIALY DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $20 | — | $20 | 0.26% |
| BRIEN C FLETCHER3 | 15 GARDEN AVE CARLE PLACE, NY 11514 | AFLAC | $9 | — | $9 | 0.12% |
| FNA INSURANCE SERVICES INC3 | 1065 AVENUE OF THE AMERICAS FLOOR 4 NEW YORK, NY 10018 | AFLAC | $7 | — | $7 | 0.09% |
| GREGORY MALONEY3 | 27 HEWITT DRIVE NORTHPORT, NY 11768 | AFLAC | $4 | — | $4 | 0.05% |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM LOEFFERT | 555 BROADHOLLOW ROAD SUITE 201 MELVILLE, NY 11747 | AFLAC | $4 | — | $4 | 0.05% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $2 | — | $2 | 0.03% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.03% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DR FARMINGTON, CT 06032 | AFLAC | $1 | — | $1 | 0.01% |
| TYLER RUPPEL3 | 125 JERICHO TPKE SUITE 201 JERICHO, NY 11753 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.01% |
| GALE LOEFFERT3 | 545 DAVIS STREET NORTH BABYLON, NY 11703 | AFLAC | $1 | — | $1 | 0.01% |
| FINANCIAL LIBERTY GROUP3 Filed as: FINANCIAL LIBERTY GROUP, INC. | 115 BROADHOLLOW ROAD SUITE 375 MELVILLE, NY 11747 | AFLAC | $1 | — | $1 | 0.01% |
| ANTHONY P DELUCA3 Filed as: ANTHONY ROMEO | 1300 VETERANS HWY SUITE 210 HAUPPAUGE, NY 11788 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BLVD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $0 | — | $0 | 0.00% |
| JAQUES P DAVID CORPORATION3 | 125 JERICHO TPKE SUITE 201 JERICHO, NY 11753 | AFLAC | $0 | — | $0 | 0.00% |
| LOUIS R FAIOLA3 | 12 HAAWK COURT DELMAR, NY 12054 | AFLAC | $0 | — | $0 | 0.00% |
| TODD J BURKE CORP3 | 40 MAXWELL ROAD GARDEN CITY, NY 11530 | AFLAC | $0 | — | $0 | 0.00% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $0 | — | $0 | 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 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $712 | — | $712 | 12.07% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $356 | — | $356 | 6.04% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $244 | — | $244 | 4.14% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $221 | $53 | $274 | 14.88% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $92 | $92 | 4.99% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 105 | $98K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $8K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 33 | $6K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 187 | $13K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 187 | $36K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 187 | $21K |
| Prescription drug | EMBLEM HEALTH | 105 | $98K |
| Other(5 contracts, 4 carriers) | EMBLEM HEALTH | 217 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.