| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $104K | $14K | $119K | 3.32% |
| TREVOR FENNELL3 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $3K | $0 | $3K | 2.24% |
| JASON SALLEMI3 | 302 MONROE ST HOBOKEN, NJ 07030 | AFLAC | $2K | $53 | $2K | 1.50% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $2K | $0 | $2K | 1.42% |
| BEAULIEU BENEFITS INC3 | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $2K | $41 | $2K | 1.18% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD MELVILLE, NY 11747 | AFLAC | $1K | $0 | $1K | 0.88% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC. | 35 PINELAWN RD., STE. 105E MELVILLE, NY 117473111 | AFLAC | $1K | $18 | $1K | 0.83% |
| BRUCE B BARRETT3 Filed as: BRUCE BARRETT | 145 N FRANKLIN TPKE, STE. 118 RAMSEY, NJ 07446 | AFLAC | $440 | $0 | $440 | 0.32% |
| SHAUN T KONIOR3 Filed as: SHAUN KONIOR | 31 STATFORD GREEN FARMINGDALE, NY 11735 | AFLAC | $369 | $0 | $369 | 0.27% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $232 | $0 | $232 | 0.17% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $229 | $0 | $229 | 0.17% |
| RONALD J MOGG JR3 | 184 OLD MAMARONECK RD WHITE PLAINS, NY 10605 | AFLAC | $217 | $0 | $217 | 0.16% |
| GEORGE T HARRIS3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $144 | $0 | $144 | 0.11% |
| RICHARD WHELAN3 | 3887 NW 52ND STREET BOCA RATON, FL 33496 | AFLAC | $118 | $0 | $118 | 0.09% |
| PATRICK ANGELO3 | 12G NOBHILL ROSELAND, NJ 07068 | AFLAC | $94 | $0 | $94 | 0.07% |
| SHEILA MARIE CHESTERMAN3 | 95 VIRGINIA ST TAPPAN, NY 10983 | AFLAC | $74 | $0 | $74 | 0.05% |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 Filed as: STRATEGIC VOLUNTARY BENEFIT SVCS. | 9 PINE RIDGE DR BRANCHBURG, NJ 08876 | AFLAC | $71 | $0 | $71 | 0.05% |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $68 | $0 | $68 | 0.05% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $61 | $0 | $61 | 0.04% |
| STEPHEN M GLASER3 | 813 WILD DUNES CIR WILMINGTON, NC 28411 | AFLAC | $56 | $0 | $56 | 0.04% |
| DENISE VANDALM3 | 106 PINEHURST AVE APT A23 NEW YORK, NY 10033 | AFLAC | $52 | $0 | $52 | 0.04% |
| JANELLE M GADOMSKI3 | 48 FAIRVIEW AVE PARK RIDGE, NJ 07656 | AFLAC | $52 | $0 | $52 | 0.04% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $50 | $0 | $50 | 0.04% |
| JAMES E THARP3 | 6 PINE TREE CT VALLEY COTTAGE, NY 10989 | AFLAC | $49 | $0 | $49 | 0.04% |
| TIMOTHY C CAVAZOS3 | 11551 NUCKOLS RD GLEN ALLEN, VA 23059 | AFLAC | $48 | $0 | $48 | 0.04% |
| KEITH LEPACK3 | 1991 BROADWAY APT 12B NEW YORK, NY 10023 | AFLAC | $39 | $0 | $39 | 0.03% |
| JILL LISA RAPPAPORT3 | 402 19TH ST BROOKLYN, NY 11215 | AFLAC | $38 | $0 | $38 | 0.03% |
| NICHOLAS PETERSON3 | 3333 BROADWAY NEW YORK, NY 10031 | AFLAC | $35 | $0 | $35 | 0.03% |
| CHRISTY DAY3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $35 | $0 | $35 | 0.03% |
| LEONARD BUCCELLATO3 | 21 FELTER HILL RD MONROE, NY 10950 | AFLAC | $22 | $0 | $22 | 0.02% |
| MICHAEL KANE3 | 88 WHITSON RD HUNTINGTON STATION, NY 11746 | AFLAC | $20 | $0 | $20 | 0.01% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE. 8C NEW YORK, NY 10005 | AFLAC | $20 | $0 | $20 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $17 | $0 | $17 | 0.01% |
| AMY K FOY3 | PO BOX 591 SCHROON LAKE, NY 12870 | AFLAC | $16 | $0 | $16 | 0.01% |
| WILLIAM O'CONNELL3 | 98 LOIS LANE MONROE, NY 10950 | AFLAC | $16 | $0 | $16 | 0.01% |
| ROBERT FREDERIC ALLAN3 | 7000 KENNEDY BLVD E GUTTENBERG, NJ 07093 | AFLAC | $10 | $0 | $10 | 0.01% |
| ALONZO SMITH3 | P. O. BOX 788 NEW YORK, NY 10014 | AFLAC | $6 | $0 | $6 | 0.00% |
| ALICIA STERN3 | 158 FREEDOM AVE STATEN ISLAND, NY 10314 | AFLAC | $5 | $0 | $5 | 0.00% |
| MELISA SCHOFIELD3 | 901 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $5 | $0 | $5 | 0.00% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $4 | $0 | $4 | 0.00% |
| JUDITH S KASS3 | 47 MORNING WATCH RD WAYNE, NJ 07470 | AFLAC | $2 | $0 | $2 | 0.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.17% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFIT GROUP LLC | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.17% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 117473111 | UNITED HEALTHCARE INSURANCE COMPANY | $463 | $0 | $463 | 3.67% |
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 | 377 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 422 | $3.6M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 422 | $3.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 393 | $13K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 377 | $57K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 45 | $31K |
| Other(3 contracts, 2 carriers) | AFLAC | 377 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.