| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS AND FINANCIAL3 | SERVICES GROUP LLC 1 INTERNATIONAL BLVD STE 340 MAHWAH, NJ 07495 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.03% |
| CAPACITY BENEFITS AND FINANCIAL3 Filed as: CAPACITY BENEFITS & FINANCIAL | ONE INTERNATIONAL BLVD MAHWAH, NJ 07495 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 6.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $4K | $4K | 5.00% |
| EVE HILLYER3 Filed as: EVE HILLVER | 8 HARVARD DRIVE CARMEL, NY 10512 | AFLAC | $2K | — | $2K | 4.64% |
| JEM DIRECT INC3 | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $749 | — | $749 | 1.80% |
| ALVARO MONTENEGRO3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $709 | $32 | $741 | 1.78% |
| AMANDA GRABANICA3 | 7 COLONIAL ROAD SCARSDALE, NY 10583 | AFLAC | $386 | — | $386 | 0.93% |
| SHARON SAX3 | 525-A SPRING VALLEY ROAD MAYWOOD, NJ 07606 | AFLAC | $354 | — | $354 | 0.85% |
| ANDBEE CORP3 | P.O. BOX 84 SOUTHFIELDS, NY 10875 | AFLAC | $294 | — | $294 | 0.71% |
| JENNIFER DELIA3 | 3 BLAUVELT RD BLAUVELT, NY 10913 | AFLAC | $187 | $53 | $240 | 0.58% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DR NEWBURGH, NY 12550 | AFLAC | $221 | — | $221 | 0.53% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $156 | — | $156 | 0.38% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $143 | — | $143 | 0.34% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD STE 600 TARRYTOWN, NY 10591 | AFLAC | $128 | — | $128 | 0.31% |
| BRIAN FAIN3 | 54 THIMBLE FARM ROAD BRANFORD, CT 06405 | AFLAC | $122 | — | $122 | 0.29% |
| WENDY CALIENDO3 | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $109 | — | $109 | 0.26% |
| CHRISTOPHER GURNEE3 | 34 SALK DRIVE HIGHLAND, NY 12528 | AFLAC | $106 | — | $106 | 0.25% |
| ALAN P FABRICANT3 Filed as: ALAN FABRICANT | C/O NATIONAL PLANNING CORP 3859 NEWHAVEN LAKE DRIVE WELLINGTON, FL 33449 | AFLAC | $93 | — | $93 | 0.22% |
| GINA L BELLO3 Filed as: GINA BELLO | PO BOX 111323 NAPLES, FL 34108 | AFLAC | $89 | — | $89 | 0.21% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 580 WHITE PLAINS ROAD STE 115 TARRYTOWN, NY 10591 | AFLAC | $60 | $17 | $77 | 0.19% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $52 | — | $52 | 0.13% |
| JACQUE P DAVID CORPORATION3 | 125 JERICHO TURNPIKE STE 201 JERICHO, NY 11753 | AFLAC | $44 | — | $44 | 0.11% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SIRACUSA | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $38 | — | $38 | 0.09% |
| DAWN MASCHAS3 | 11 RACEBROOK DR BETHEL, CT 06801 | AFLAC | $31 | — | $31 | 0.07% |
| BINA MAMPILLY3 | 11 ALLEGANY AVE NYACK, NY 10960 | AFLAC | $23 | $3 | $26 | 0.06% |
| MELISA SCHOFIELD3 | 932 E VOLK LN MIDDLETOWN, CT 06457 | AFLAC | $25 | — | $25 | 0.06% |
| MICHAEL REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $24 | — | $24 | 0.06% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $23 | — | $23 | 0.06% |
| LAURA MARIE SMITH3 Filed as: LAURA SMITH | 20 DAVIS HILL ROAD STORMVILLE, NY 12582 | AFLAC | $22 | — | $22 | 0.05% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $19 | — | $19 | 0.05% |
| TOMAS FLORES3 | 1265 15TH STREET APT 16G FORT LEE, NJ 07024 | AFLAC | $13 | — | $13 | 0.03% |
| JOSEPH FOXLEY3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $12 | — | $12 | 0.03% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 1020 N DELAWARE AVE STE 4 STE A302 PHILADELPHIA, PA 19125 | AFLAC | $12 | — | $12 | 0.03% |
| LOUIS CURTO3 | 3185 BOSTON ROAD AFLAC H L ASSOCIATESE WILBRAHAM, MA 01095 | AFLAC | $9 | — | $9 | 0.02% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DR JERICHO, NY 11753 | AFLAC | $9 | — | $9 | 0.02% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $8 | — | $8 | 0.02% |
| MICHAEL S CHILLE3 | 222 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $7 | — | $7 | 0.02% |
| GREGORY E MEYER3 | 1582 RUNNING DEER DR KERNERSVILLE, NC 27284 | AFLAC | $7 | — | $7 | 0.02% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $2 | — | $2 | 0.00% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT JAMES LAMB3 Filed as: ROBERT LAMB | 181 DEEPWOOD DRIVE GUILFORD, CT 06437 | AFLAC | $2 | — | $2 | 0.00% |
| BENITO A ROTONDI II INC2 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12886 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $1 | — | $1 | 0.00% |
| JUDITH S KASS3 Filed as: JUDITH KASS | 47 MORNING WATCH ROAD WAYNE, NJ 07470 | AFLAC | $1 | — | $1 | 0.00% |
| COMBINED DBL RESOURCES LTD3 | 555 BROADHOLLOW ROAD SUITE 271 MELVILLE, NY 11747 | VISION SERVICE PLAN | $1K | — | $1K | 4.57% |
| CAPACITY BENEFITS AND FINANCIAL3 Filed as: CAPACITY BENEFITS & FINANCIAL | SERVICES 1 INTERNATIONAL BLVD. STE 340 MAHWAH, NJ 07430 | VISION SERVICE PLAN | $1K | — | $1K | 4.18% |
| CAPACITY BENEFITS AND FINANCIAL3 Filed as: CAPACITY BENEFITS & FINANCIAL | ONE INTERNATIONAL BLVD. MAHWAH, NJ 07495 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 9.23% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DRIVE #400S DALLAS, TX 75251 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 SERVICE PROVIDER | Contract Administrator; Claims processing; Non-monetary compensation; Participant communication; Other services; Named fiduciary; Direct payment from the plan; Float revenue Service code 12 | — | $137K |
| CAPACITY BNFT AND FIN SVCS GRP LLC BROKER/AGENT | Other services Service code 49 | ONE INTERNATIONAL DRIVE MAHWAH, NJ 07495 | $107K |
| CENERSTONE INS NJ BROKER/AGENT | Other services Service code 49 | 354 EISENHOWER PARKWAY SUTE 2850 LIVINGSTON, NJ 07039 | $43K |
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 | 622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 645 | $204K |
| Vision | VISION SERVICE PLAN | 288 | $25K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 614 | $24K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 311 | $71K |
| Other(2 contracts, 2 carriers) | AFLAC | 614 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.