| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN CORPORATE BENEFITS INC3 Filed as: AMERICAN CORPORATE BENEFITS INC. | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | DELTA DENTAL OF NEW YORK | $9K | — | $9K | 5.00% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 8.00% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET FOURTH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 2.68% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DRIVE JERICHO, NY 11753 | AFLAC | $2K | — | $2K | 6.08% |
| CHRISTINE WALSH3 | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $789 | — | $789 | 2.02% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $562 | — | $562 | 1.44% |
| EMERSON REID LLC3 | 15 ENGLE STREET 3RD FLOOR ENGLEWOOD, NJ 07631 | AFLAC | $462 | — | $462 | 1.18% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $356 | — | $356 | 0.91% |
| DAWN MASCHAS3 | 11 RACEBROOK DRIVE BETHEL, CT 06801 | AFLAC | $109 | — | $109 | 0.28% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $27 | — | $27 | 0.07% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $19 | — | $19 | 0.05% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $8 | — | $8 | 0.02% |
| DOMINICK R ROTINDO3 | 4133 LAUREL ESTATES WAY WELLINGTON, FL 33449 | AFLAC | $7 | — | $7 | 0.02% |
| MARCELLUS BRYANT3 | 17 QUINTARD DRIVE PORT CHESTER, NY 10573 | AFLAC | $6 | — | $6 | 0.02% |
| FRIDAY CD FLATT3 | 4133 LAUREL ESTATES WSAY WELLINGTON, FL 33449 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $2 | — | $2 | 0.01% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET FOURTH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 15.00% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET FOURTH FLOOR NEW YORK, NY 10005 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| BEACON WORKSITE LLC3 Filed as: BEACON WORKSITE, LLC | 125 WOLF ROAD ALBANY, NY 12205 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $358 | — | $358 | 2.81% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $104 | — | $104 | 0.81% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAN STREET 4TH FLOOR NEW YORK, NY 10005 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $96 | — | $96 | 0.75% |
| WILLIAM VELTO3 | 4 SPENCER COURT ORANGEBURG, NY 10962 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $45 | — | $45 | 0.35% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $9 | — | $9 | 0.07% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM STREET 4TH FLOOR NEW YORK, NY 10005 | PRINCIPAL LIFE INSURANCE COMPANY | $791 | $242 | $1K | 8.54% |
| GA SOLUTIONS LLC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 10532 | PRINCIPAL LIFE INSURANCE COMPANY | $363 | — | $363 | 3.00% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 169 | $178K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 178 | $12K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 171 | $62K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 34 | $27K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 167 | $55K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 383 | $720K |
| Other(6 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 171 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.