| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LADMAR ASSOCIATES LLC3 | 1983 MARCUS AVENUE, SUITE 140 SUCCESS, NY 11042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $166K | $166K | 2.26% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR SUITE 210N HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $141K | $141K | 1.92% |
| LADMAR ASSOCIATES LLC3 | 1983 MARCUS AVENUE, SUITE 114 SUCCESS, NY 11042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $138K | $138K | 1.88% |
| LADMAR ASSOCIATES LLC3 | 1983 MARCUS AVENUE, SUITE 140 LAKE SUCCESS, NY 11042 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 4.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $86K | $63K | $149K | 27.38% |
| LADMAR ASSOCIATES LLC3 | 1983 MARCUS AVENUE, SUITE 114 NEW HYDE PARK, NY 11042 | AFLAC | $13K | $0 | $13K | 12.18% |
| JANINE M. FEELEY3 | 28 LAURELTON AVENUE LAKE GROVE, NY 11755 | AFLAC | $2K | $2K | $5K | 4.31% |
| MCIHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $2K | $107 | $2K | 2.23% |
| BARBARA ANN MEYER3 | 2916 HATTERAS WAY NAPLES, FL 34119 | AFLAC | $2K | $0 | $2K | 1.87% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO V. MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $2K | $102 | $2K | 1.57% |
| MJ INSURANCE3 Filed as: PATRICK R. RUHLE AND VARIOUS AGENTS | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $1K | $0 | $1K | 1.27% |
| ROBERT NIVEYRO3 | 17324 DARBY LANE LUTZ, FL 33558 | AFLAC | $543 | $0 | $543 | 0.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD, 2ND FLOOR SUITE 210N HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.99% |
| LADMAR ASSOCIATES LLC3 | 175 GREAT NECK ROAD GREAT NECK, NY 11021 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.72% |
| LADMAR ASSOCIATES LLC3 Filed as: LADMAR ASSOCIATES, LLC | 1983 MARCUS AVENUE, SUITE 114 NEW HYDE PARK, NY 11042 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 24.47% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 592 | $7.3M |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 694 | $577K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 676 | $58K |
| Life insurance(2 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 694 | $1.1M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 456 | $545K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 456 | $545K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 592 | $7.3M |
| Other(4 contracts, 4 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 694 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.