| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LADMAR GROUP LLC3 | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $271K | $271K | 3.65% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $149K | $149K | 2.00% |
| 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 | $103K | $71K | $174K | 23.91% |
| THE LADMAR GROUP LLC3 | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11788 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 3.99% |
| LINDA H. MARRA3 | 1983 MARCUS AVENUE, SUITE 114 NEW HYDE PARK, NY 11042 | AFLAC | $8K | $0 | $8K | 6.78% |
| JANINE M. FEELEY3 | 28 LAURELTON AVENUE LAKE GROVE, NY 11755 | AFLAC | $1K | $2K | $3K | 2.60% |
| BARBARA ANN MEYER3 | 2916 HATTERAS WAY NAPLES, FL 34119 | AFLAC | $2K | $0 | $2K | 1.82% |
| MJ INSURANCE3 Filed as: PATRICK R. RUHLE AND VARIOUS AGENTS | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $2K | $0 | $2K | 1.59% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO V. MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $2K | $0 | $2K | 1.47% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $1K | $174 | $2K | 1.41% |
| ROBERT NIVEYRO3 | 17324 DARBY LANE LUTZ, FL 33558 | AFLAC | $551 | $0 | $551 | 0.48% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.35% |
| THE LADMAR GROUP LLC3 Filed as: LADMAR GROUP LLC | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11787 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.35% |
| 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 | $826 | $2K | $3K | 51.04% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $4K | 79.42% |
| THE LADMAR GROUP LLC3 Filed as: LADMAR GROUP LLC | 1983 MARCUS AVENUE LAKE SUCCESS, NY 11042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 37.25% |
| JASON SCZEPANIAK3 Filed as: JASON C. SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $564 | $124 | $688 | 12.78% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 593 | $7.4M |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 704 | $587K |
| Vision | VISION SERVICE PLAN | 305 | $61K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 704 | $1.3M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $726K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $726K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 593 | $7.4M |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 704 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.