| 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 | 2.90% |
| PILOT BENEFITS GROUP LLC3 | 275 BROAD HOLLOW RD #432 MELVILLE, NY 11747 | ANTHEM BLUE CROSS | $19K | $0 | $19K | 11.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | P.O. BOX 9101 PLAINVIEW, NC 11803 | ANTHEM BLUE CROSS | $937 | $0 | $937 | 0.55% |
| JASON SALLEMI3 | 302 MONROE ST APT 4B HOBOKEN, NJ 07030 | AFLAC | $3K | $193 | $3K | 2.18% |
| PILOT BENEFITS GROUP LLC3 | 6 BIRCHFIELD CT CORAM, NY 11727 | AFLAC | $3K | $0 | $3K | 2.03% |
| KENNETH THOMAS BOLLIN3 | 312 E 6TH STREET APT D3 NEW YORK, NY 10003 | AFLAC | $2K | $436 | $3K | 1.81% |
| TREVOR FENNELL3 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $3K | $0 | $3K | 1.78% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $1K | $0 | $1K | 0.98% |
| SHAUN T KONIOR3 | 100 NW 62ND STREET SUITE 1020 FT LAUDERDALE, FL 33309 | AFLAC | $1K | $151 | $1K | 0.96% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $890 | $0 | $890 | 0.63% |
| MICHAEL VINCENT LUPIA3 | 257 WALNUT RD GLEN COVE, NY 11542 | AFLAC | $521 | $278 | $799 | 0.57% |
| BEAULIEU BENEFITS INC3 | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $796 | $0 | $796 | 0.56% |
| BRUCE BARRETT3 | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $344 | $0 | $344 | 0.24% |
| ROBERT FREDERIC ALLAN3 | 7000 KENNEDY BLVD E APT 30I GUTTENBERG, NJ 07093 | AFLAC | $317 | $0 | $317 | 0.22% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $199 | $0 | $199 | 0.14% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $189 | $0 | $189 | 0.13% |
| RONALD J MOGG JR3 | 184 OLD MAMARONECK RD WHITE PLAINS, NY 10605 | AFLAC | $163 | $0 | $163 | 0.12% |
| BENJAMIN S MAJEROVITZ3 | 427 15TH STREET APT 2C BROOKLYN, NY 11215 | AFLAC | $64 | $53 | $117 | 0.08% |
| GEORGE T HARRIS3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $108 | $0 | $108 | 0.08% |
| JASON SALLEMI3 | 302 MONROE ST APT 4B HOBOKEN, NC 07030 | AFLAC | $87 | $0 | $87 | 0.06% |
| SHEILA MARIE CHESTERMAN3 | 95 VIRGINIA ST TAPPAN, NY 10983 | AFLAC | $81 | $0 | $81 | 0.06% |
| RICHARD WHELAN3 | 3887 NW 52ND STREET BOCA RATON, FL 33496 | AFLAC | $76 | $0 | $76 | 0.05% |
| STEPHEN M GLASER3 | 813 WILD DUNES CIR WILMINGTON, NC 28411 | AFLAC | $58 | $0 | $58 | 0.04% |
| JAMES E THARP3 | 6 PINE TREE CT VALLEY COTTAGE, NY 10989 | AFLAC | $56 | $0 | $56 | 0.04% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $44 | $0 | $44 | 0.03% |
| KEITH LEPACK3 | 1991 BROADWAY APT 12B NEW YORK, NY 10023 | AFLAC | $42 | $0 | $42 | 0.03% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PL BROOKLYN, NY 11215 | AFLAC | $41 | $0 | $41 | 0.03% |
| DENISE VANDALM3 | 106 PINEHURST AVE APT A23 NEW YORK, NY 10033 | AFLAC | $38 | $0 | $38 | 0.03% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $34 | $0 | $34 | 0.02% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVE PARK RIDGE, NJ 07656 | AFLAC | $30 | $0 | $30 | 0.02% |
| MICHAEL KANE3 | 88 WHITSON RD HUNTINGTON STATION, NY 11746 | AFLAC | $24 | $0 | $24 | 0.02% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE. 8C NEW YORK, NY 10005 | AFLAC | $22 | $0 | $22 | 0.02% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY DAY | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $20 | $0 | $20 | 0.01% |
| RUSSELL T BARRETT3 | 37 JESSICA TRCE GANSEVOORT, NY 12831 | AFLAC | $20 | $0 | $20 | 0.01% |
| MOLLY HUBBARD3 | 224 E 7TH STREET APT 9 NEW YORK, NY 10009 | AFLAC | $20 | $0 | $20 | 0.01% |
| WILLIAM O'CONNELL3 | 98 LOIS LANE MONROE, NY 10950 | AFLAC | $17 | $0 | $17 | 0.01% |
| AMY K FOY3 | PO BOX 591 SCHROON LAKE, NY 12870 | AFLAC | $14 | $0 | $14 | 0.01% |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS RD GLEN ALLEN, VA 23059 | AFLAC | $11 | $0 | $11 | 0.01% |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $11 | $0 | $11 | 0.01% |
| ALONZO SMITH3 | P0 BOX 788 NEW YORK, NY 10014 | AFLAC | $7 | $0 | $7 | 0.00% |
| ALICIA STERN3 | 7814 MONUMENT LN RALEIGH, NC 27615 | AFLAC | $6 | $0 | $6 | 0.00% |
| MELISA SCHOFIELD3 | 5552 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $6 | $0 | $6 | 0.00% |
| TODD J BURKE CORP3 Filed as: TODD BURKE | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $3 | $0 | $3 | 0.00% |
| CHRISTY M DAY3 | 14 WALL ST SUITE 8C NEW YORK, NY 10005 | AFLAC | $3 | $0 | $3 | 0.00% |
| JUDITH S KASS3 | 47 MORNING WATCH RD WAYNE, NJ 07470 | AFLAC | $2 | $0 | $2 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | P.O. BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | P.O. BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | P.O. BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 411 | 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) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 360 | $3.2M |
| Dental | ANTHEM BLUE CROSS | 360 | $171K |
| Vision | ANTHEM BLUE CROSS | 360 | $171K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 409 | $63K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 35 | $28K |
| Other(3 contracts, 2 carriers) | AFLAC | 409 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.