| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MG BENEFITS CONSULTING GROUP LLC3 | 2A HARDSCRABBLE RD NORTH SALEM, NY 10560 | AETNA LIFE INSURANCE CO. | $66K | $134 | $66K | 2.73% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $51K | $0 | $51K | 2.11% |
| MG BENEFITS CONSULTING GROUP LLC3 | 2A HARDSCRABBLE RD NORTH SALEM, NY 105601014 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.25% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 117473111 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.82% |
| MG BENEFITS CONSULTING GROUP LLC3 Filed as: MG BENEFITS CONSULTING GROUP | 2A HARDSCRABBLE ROAD NORTH SALEM, NY 10560 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.95% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.81% |
| MG BENEFITS CONSULTING GROUP LLC3 | 2A HARDSCRABBLE RD NORTH SALEM, NY 10560 | AFLAC | $2K | $0 | $2K | 6.73% |
| JOSEPH A COLOMBO III3 | 34 DUNCAN AVE CORNWALL ON HUDSON, NY 12520 | AFLAC | $1K | $169 | $2K | 5.21% |
| JENNIFER E BOULLE3 | 430 VASSAR RD POUGHKEEPSIE, NY 12603 | AFLAC | $1K | $34 | $1K | 4.06% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $607 | $34 | $641 | 2.20% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS RD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $216 | $0 | $216 | 0.74% |
| ROCO SOLUTIONS LLC3 | PO BOX 907 BEACON, NY 12508 | AFLAC | $187 | $0 | $187 | 0.64% |
| WENDY PEARLROTH3 | 2323 PALMDALE WALK DR APT 102 FORT MILL, SC 29708 | AFLAC | $158 | $0 | $158 | 0.54% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $72 | $0 | $72 | 0.25% |
| JOSEPH C RONDONE3 | 119 OWLS NEST CT MANORVILLE, NY 11949 | AFLAC | $60 | $0 | $60 | 0.21% |
| CAMILLO MONACO3 | 79 COLUMBUS AVE APT 2B WEST HARRISON, NY 10604 | AFLAC | $59 | $0 | $59 | 0.20% |
| WENDY PEARLROTH3 | 3186 DOUGLAS DR YORKTOWN HTS, NY 10598 | AFLAC | $57 | $0 | $57 | 0.20% |
| JUAN E CABRERA3 | PO BOX 493 LINCOLNDALE, NY 10540 | AFLAC | $57 | $0 | $57 | 0.20% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $37 | $0 | $37 | 0.13% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $20 | $0 | $20 | 0.07% |
| RICHARD PETERSON3 | 14107 20TH AVE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $20 | $0 | $20 | 0.07% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI & ASSOCIATES INC. | 16059 23RD AVE WHITESTONE, NY 11357 | AFLAC | $17 | $0 | $17 | 0.06% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $13 | $0 | $13 | 0.04% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $10 | $0 | $10 | 0.03% |
| RONALD P BASSETT3 | 846 N HILLSIDE RD WAPPINGERS FALLS, NY 12590 | AFLAC | $8 | $0 | $8 | 0.03% |
| GABRIEL P PIRRELLO3 | 54 SMITH AVE WHITE PLAINS, NY 10605 | AFLAC | $8 | $0 | $8 | 0.03% |
| GREGORY E MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $7 | $0 | $7 | 0.02% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEYER CORP | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $7 | $0 | $7 | 0.02% |
| TOMAS E FLORES3 | 1265 15TH STREET APT 16G FORT LEE, NJ 07024 | AFLAC | $5 | $0 | $5 | 0.02% |
| FRIDAY CD FLATT3 | 4570 CARLTON GOLF DR LAKE WORTH, FL 33449 | AFLAC | $4 | $0 | $4 | 0.01% |
| DOMINICK R ROTINDO3 | 4570 CARLTON GOLF DR WELLINGTON, FL 33449 | AFLAC | $4 | $0 | $4 | 0.01% |
| MELISA SCHOFIELD3 | 932 E VOLK LN MIDDLETOWN, CT 06457 | AFLAC | $3 | $0 | $3 | 0.01% |
| MICHAEL S CHILLE3 | 12 STREET THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $2 | $0 | $2 | 0.01% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NC 10514 | AFLAC | $1 | $0 | $1 | 0.00% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $1 | $0 | $1 | 0.00% |
| MG BENEFITS CONSULTING GROUP LLC3 Filed as: MG BENEFITS CONSULTING GROUP | 2A HARDSCRABBLE ROAD NORTH SALEM, NY 10560 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.76% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.55% |
| JAMES F REILLY4 | 6060 SEQUOIA CIRCLE VERO BEACH, FL 32967 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $547 | $0 | $547 | 11.56% |
| MG BENEFITS CONSULTING GROUP LLC4 Filed as: MG BENEFITS CONSULTING | 2A HARDSCRABBLE RD NORTH SALEM, NY 10560 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $281 | $0 | $281 | 5.94% |
| WENDY PEARLROTH4 | 3186 DOUGLAS DR YORKTOWN HEIGHTS, NC 10598 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $96 | $0 | $96 | 2.03% |
| A SECURE YOU INC4 Filed as: A SECURE YOU INC. | 346 REIST STREET WILLIAMSVILLE, NC 14221 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $79 | $0 | $79 | 1.67% |
| PILOT BENEFITS GROUP LLC4 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $47 | $0 | $47 | 0.99% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 292 | $2.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 301 | $2.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $133K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 308 | $55K |
| Short-term disability | AFLAC | 26 | $29K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 308 | $40K |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 308 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.