| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $87K | $87K | 3.48% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 117473111 | DELTA DENTAL OF NEW YORK | $3K | $0 | $3K | 5.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.65% |
| MG BENEFITS CONSULTING GROUP LLC3 | 2A HARDSCRABBLE RD NORTH SALEM, NY 10560 | AFLAC | $637 | $0 | $637 | 3.00% |
| JENNIFER E BOULLE3 | 430 VASSAR RD POUGHKEEPSIE, NY 12603 | AFLAC | $397 | $117 | $514 | 2.42% |
| JOSEPH A COLOMBO III3 | 34 DUNCAN AVE CORNWALL ON HUDSON, NY 12520 | AFLAC | $337 | $150 | $487 | 2.30% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST SUITE 2 MONROE, NY 10950 | AFLAC | $201 | $44 | $245 | 1.15% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS RD SUITE 320 LAKE OSWEGO, OR 97035 | AFLAC | $146 | $0 | $146 | 0.69% |
| WENDY PEARLROTH3 | 5531 CHEERFUL LN CHARLOTTE, NC 28215 | AFLAC | $113 | $0 | $113 | 0.53% |
| ROCO SOLUTIONS LLC3 | PO BOX 907 BEACON, NY 12508 | AFLAC | $109 | $0 | $109 | 0.51% |
| JOSEPH C RONDONE3 | 119 OWLS NEST CT MANORVILLE, NY 11949 | AFLAC | $66 | $0 | $66 | 0.31% |
| CAMILLO MONACO3 | 79 COLUMBUS AVE APT 2B WEST HARRISON, NY 10604 | AFLAC | $54 | $0 | $54 | 0.25% |
| JUAN E CABRERA3 | PO BOX 493 LINCOLNDALE, NY 10540 | AFLAC | $52 | $0 | $52 | 0.25% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $41 | $0 | $41 | 0.19% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $36 | $0 | $36 | 0.17% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $23 | $0 | $23 | 0.11% |
| RICHARD PETERSON3 | 14107 20TH AVE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $22 | $0 | $22 | 0.10% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $18 | $0 | $18 | 0.08% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI & ASSOCIATES INC. | 16059 23RD AVE WHITESTONE, NY 11357 | AFLAC | $18 | $0 | $18 | 0.08% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS RD SUITE 115 TARRYTOWN, NC 10591 | AFLAC | $16 | $0 | $16 | 0.08% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD SUITE 190 MELVILLE, NY 11747 | AFLAC | $13 | $0 | $13 | 0.06% |
| WENDY PEARLROTH3 | 2323 PALMDALE WALK DR APT 102 FORT MILL, SC 29708 | AFLAC | $11 | $0 | $11 | 0.05% |
| RONALD P BASSETT3 | 846 N HILLSIDE RD WAPPINGERS FALLS, NY 12590 | AFLAC | $8 | $0 | $8 | 0.04% |
| GABRIEL P PIRRELLO3 | 54 SMITH AVE WHITE PLAINS, NY 10605 | AFLAC | $7 | $0 | $7 | 0.03% |
| GREGORY E MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $7 | $0 | $7 | 0.03% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEYER CORP | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $7 | $0 | $7 | 0.03% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $5 | $0 | $5 | 0.02% |
| FRIDAY CD FLATT3 | 4570 CARLTON GOLF DR LAKE WORTH, FL 33449 | AFLAC | $4 | $0 | $4 | 0.02% |
| DOMINICK R ROTINDO3 | 4570 CARLTON GOLF DR WELLINGTON, FL 33449 | AFLAC | $3 | $0 | $3 | 0.01% |
| MELISA SCHOFIELD3 | 11620 N 39TH ST PHOENIX, AZ 85028 | AFLAC | $3 | $0 | $3 | 0.01% |
| TOMAS E FLORES3 | 1265 15TH STREET APT 16G FORT LEE, NJ 07024 | AFLAC | $2 | $0 | $2 | 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 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $1 | $0 | $1 | 0.00% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $1 | $0 | $1 | 0.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.45% |
| A SECURE YOU INC4 Filed as: A SECURE YOU INC. | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $741 | $0 | $741 | 18.02% |
| PILOT BENEFITS GROUP LLC4 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $448 | $0 | $448 | 10.89% |
| JAMES F REILLY4 | 6060 SEQUOIA CIRCLE VERO BEACH, FL 32967 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $119 | $0 | $119 | 2.89% |
| 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 | $55 | $0 | $55 | 1.34% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $2.5M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 209 | $64K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $2.5M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 227 | $69K |
| Short-term disability | AFLAC | 22 | $21K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 227 | $52K |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 227 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.