| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LADMAR GROUP LLC3 Filed as: THE LADMAR GROUP, LLC | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $290K | $290K | 3.54% |
| 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 | $158K | $158K | 1.93% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $110K | $96K | $206K | 26.68% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 3.01% |
| THE LADMAR GROUP LLC3 Filed as: THE LADMAR GROUP, LLC | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11788 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 0.66% |
| LADMAR ASSOCIATES LLC3 Filed as: LADMAR ASSOCIATES, LLC | 1983 MARCUS AVENUE, SUITE 114 NEW HYDE PARK, NY 11042 | AFLAC | $7K | $0 | $7K | 6.07% |
| ROBERT NIVEYRO3 Filed as: ROBERT NIVEYRO AND OTHER AGENTS | 17324 DARBY LANE LUTZ, FL 33558 | AFLAC | $2K | $33 | $2K | 1.92% |
| BARBARA ANN MEYER3 | 4232 RAFFIA PALM CIRCLE NAPLES, FL 34119 | AFLAC | $2K | $0 | $2K | 1.70% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO V. MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $2K | $0 | $2K | 1.44% |
| JANINE M. FEELEY3 | 28 LAURELTON AVENUE LAKE GROVE, NY 11952 | AFLAC | $991 | $0 | $991 | 0.92% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $805 | $0 | $805 | 0.75% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $525 | $0 | $525 | 0.49% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 150 MOTOR PARKWAY, SUITE 210 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.03% |
| THE LADMAR GROUP LLC3 Filed as: THE LADMAR GROUP, LLC | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.77% |
| SOTERIA PARTNERS LLC3 Filed as: SOTERIA PARTNERS, LLC | 550 WEST 29TH STREET, APARTMENT 3A NEW YORK, NY 10001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $690 | $505 | $1K | 11.36% |
| THE LADMAR GROUP LLC3 Filed as: LADMAR GROUP, LLC | 1983 MARCUS AVENUE LAKE SUCCESS, NY 11042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $592 | $0 | $592 | 5.63% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 150 MOTOR PARKWAY, SUITE 210 HAUPPAUGE, NY 11788 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $2 | $158 | 1.50% |
| ALEXANDRA LLANO3 Filed as: ALEXANDRA LIANO | 9 ALFRED PLACE LITTLE FERRY, NJ 07643 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.47% |
| JASON SCZEPANIAK3 Filed as: JASON C. SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.35% |
| JUSTIN CLARK ETTS3 | 1903 GREVE AVENUE SPRING LAKE, NJ 07762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $7 | $34 | 0.32% |
| SEAMLESS BENEFITS LLC3 Filed as: SEAMLESS BENEFITS, LLC | 6211 TIMBER ROCK LANE GREENVILLE, SC 29609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $3 | $25 | 0.24% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $0 | $106 | $106 | — |
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 | 457 | 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) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 569 | $8.2M |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 710 | $612K |
| Vision | VISION SERVICE PLAN | 302 | $64K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 710 | $1.4M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 458 | $772K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 458 | $772K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 569 | $8.2M |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 710 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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.