| 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 | $320K | $320K | 4.33% |
| 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 | $148K | $148K | 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 | $108K | $91K | $199K | 25.50% |
| THE LADMAR GROUP LLC3 Filed as: THE LADMAR GROUP | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11788 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 4.34% |
| LINDA H. MARRA3 | 1983 MARCUS AVENUE, SUITE 114 NEW NYDE PARK, NY 11042 | AFLAC | $7K | $0 | $7K | 6.34% |
| MJ INSURANCE3 Filed as: GAVIN MEIER & VARIOUS AGENTS | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | AFLAC | $2K | $39 | $2K | 1.76% |
| BARBARA ANN MEYER3 | 4232 RAFFIA PALM CIRCLE NAPLES, FL 34119 | AFLAC | $2K | $0 | $2K | 1.71% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO V. MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $2K | $0 | $2K | 1.43% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $1K | $0 | $1K | 1.14% |
| JANINE M. FEELEY3 | 28 LAURELTON AVENUE LAKE GROVE, NY 11755 | AFLAC | $871 | $0 | $871 | 0.79% |
| ROBERT NIVEYRO3 | 17324 DARBY LANE LUTZ, FL 33558 | AFLAC | $534 | $0 | $534 | 0.48% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.00% |
| THE LADMAR GROUP LLC3 Filed as: LADMAR GROUP LLC | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.30% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 25.75% |
| 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 | 16.61% |
| ALEXANDRA LLANO3 | 9 ALFRED PLACE LITTLE FERRY, NJ 07643 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $191 | $0 | $191 | 1.86% |
| JUSTIN CLARK ETTS3 | 1903 GREVE AVENUE SPRING LAKE, NJ 07762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $161 | $17 | $178 | 1.74% |
| JASON SCZEPANIAK3 Filed as: JASON C. SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $104 | $16 | $120 | 1.17% |
| 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 | $266 | $100 | $366 | 27.52% |
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 | 470 | 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) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 576 | $7.4M |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 955 | $581K |
| Vision | VISION SERVICE PLAN | 313 | $63K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 955 | $1.4M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 469 | $779K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 469 | $779K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 576 | $7.4M |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 955 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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.