| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | EMBLEM HEALTH | $58K | — | $58K | 4.00% |
| PENSION & WEALTH CONSULTANTS LLC3 | 320 S SERVICE ROAD MELVILLE, NY 11747 | AFLAC | $6K | — | $6K | 9.01% |
| JAIME M. BAUM3 Filed as: JAIME BAUM | 22 WILLOW POND LN MILLER PLACE, NY 11764 | AFLAC | $5K | $441 | $6K | 8.30% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $2K | $73 | $2K | 2.62% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL PASQUIALY DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $808 | $24 | $832 | 1.24% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL P DESTEPHANO | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $625 | $49 | $674 | 1.01% |
| INTEGRATED BROKERAGE SERVICES, INC.3 Filed as: INTEGRATED BROKERAGE SERVICES INC | 303 SUNNYSIDE BLVD UNITE 25 PLAINVIEW, NY 11803 | AFLAC | $178 | — | $178 | 0.27% |
| BRIEN C FLETCHER3 | 15 GARDEN AVE CARLE PLACE, NY 11514 | AFLAC | $52 | — | $52 | 0.08% |
| FNA INSURANCE SERVICES INC3 | 1065 AVENUE OF THE AMERICAS FLOOR 4 NEW YORK, NY 10018 | AFLAC | $45 | — | $45 | 0.07% |
| JOHN JOSEPH CAPUTO3 | 30 RECMERE AVE FARMINGVILLE, NC 11738 | AFLAC | $25 | — | $25 | 0.04% |
| GREGORY MALONEY3 | 27 HEWITT DRIVE NORTHPORT, NY 11768 | AFLAC | $23 | — | $23 | 0.03% |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM LOEFFERT | 555 BROADHOLLOW ROAD SUITE 201 MELVILLE, NY 11747 | AFLAC | $22 | — | $22 | 0.03% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $18 | — | $18 | 0.03% |
| TYLER RUPPEL3 | 125 JERICHO TPKE SUITE 201 JERICHO, NY 11753 | AFLAC | $18 | — | $18 | 0.03% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DR FARMINGTON, CT 06032 | AFLAC | $15 | — | $15 | 0.02% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $10 | — | $10 | 0.01% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $8 | — | $8 | 0.01% |
| GALE LOEFFERT3 | 545 DAVIS STREET NORTH BABYLON, NY 11703 | AFLAC | $7 | — | $7 | 0.01% |
| FINANCIAL LIBERTY GROUP3 Filed as: FINANCIAL LIBERTY GROUP, INC. | 115 BROADHOLLOW ROAD SUITE 375 MELVILLE, NY 11747 | AFLAC | $7 | — | $7 | 0.01% |
| ANTHONY P DELUCA3 Filed as: ANTHONY ROMEO | 1300 VETERANS HWY SUITE 210 HAUPPAUGE, NY 11788 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BLVD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $3 | — | $3 | 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 | $1 | — | $1 | 0.00% |
| TODD J BURKE CORP3 | 40 MAXWELL ROAD GARDEN CITY, NY 11530 | AFLAC | $1 | — | $1 | 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 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $477 | $5K | 8.24% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 4.34% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $5K | $5K | 8.54% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 6.35% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $2K | $2K | 5.00% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $321 | — | $321 | 0.85% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 9.35% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 8.98% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $835 | $835 | 5.00% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $700 | — | $700 | 4.19% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 10.29% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $743 | — | $743 | 9.23% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $372 | — | $372 | 4.62% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 15.00% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 200 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $398 | $398 | 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 | $889 | — | $889 | 12.00% |
| DONALD C SAVOY INC3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $709 | $709 | 9.57% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $446 | — | $446 | 8.22% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 200 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $271 | $271 | 4.99% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $123 | — | $123 | 12.05% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $102 | $102 | 9.99% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $90 | — | $90 | 12.02% |
| DONALD C SAVOY INC3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $37 | $37 | 4.94% |
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 | 226 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 116 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $67K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $8K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 226 | $13K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 226 | $39K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 226 | $19K |
| Prescription drug | EMBLEM HEALTH | 116 | $1.5M |
| Other(7 contracts, 5 carriers) | EMBLEM HEALTH | 226 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.