| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | — | $5K | $5K | 0.50% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BNFT & FNCL SVCS GRP LLC | 1 BLUE HILL PLAZA FL 12 PEARL RIVER, NY 10965 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 0.49% |
| CAPACITY BENEFITS AND FINANCIAL3 Filed as: CAPACITY BENEFITS & FINANCIAL | ONE INTERNATIONAL BLVD MAHWAH, NJ 07495 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $161 | — | $161 | 0.02% |
| CAPACITY BENEFITS AND FINANCIAL3 | SERVICES GROUP LLC 1 INTERNATIONAL BLVD STE 340 MAHWAH, NJ 07495 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $11K | 4.40% |
| JEM DIRECT INC3 | 1 BLUE HILL PLZ 1535 PEARL RIVER, NY 10965 | AFLAC | $2K | $251 | $2K | 4.50% |
| BRUCE G HILLYER3 | 8 HARVARD DR CARMEL, NY 10512 | AFLAC | $1K | — | $1K | 3.15% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS &FIN SERV GRP LLC | 1 INTERNATIONAL BLVD MAHWAH, NJ 07495 | AFLAC | $570 | — | $570 | 1.32% |
| DONALD FINK3 | 9 PATRICIA DR NEW CITY, NY 10956 | AFLAC | $522 | — | $522 | 1.21% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $370 | — | $370 | 0.86% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $121 | $53 | $174 | 0.40% |
| ROCO SOLUTIONS LLC3 | PO BOX 907 BEACON, NY 12508 | AFLAC | $144 | — | $144 | 0.33% |
| CHRISTOPHER GURNEE3 | 34 SALK DR HIGHLAND, NY 12528 | AFLAC | $115 | — | $115 | 0.27% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $106 | — | $106 | 0.25% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $103 | — | $103 | 0.24% |
| BRIAN FAIN3 | 54 THIMBLE FARM RD BRANFORD, CT 06405 | AFLAC | $97 | — | $97 | 0.23% |
| WENDY CALIENDO3 | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $95 | — | $95 | 0.22% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $92 | — | $92 | 0.21% |
| GINA L BELLO3 | PO BOX 11323 NAPLES, FL 34108 | AFLAC | $80 | — | $80 | 0.19% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $74 | — | $74 | 0.17% |
| ALAN P FABRICANT3 | C/O NATIONAL PLANNING CORP 3859 NEWHAVEN LAKE DR WELLINGTON, FL 33449 | AFLAC | $64 | — | $64 | 0.15% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $53 | — | $53 | 0.12% |
| AMANDA GRABANICA3 | 7 COLONIAL RD SCARSDALE, NY 10583 | AFLAC | $50 | — | $50 | 0.12% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS RD STE 320 LAKE OSWEGO, OR 97035 | AFLAC | $49 | — | $49 | 0.11% |
| JENNIFER DELIA3 | 3 BLAUVELT RD BLAUVELT, NY 10913 | AFLAC | $42 | — | $42 | 0.10% |
| ANDBEE CORP3 | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $41 | — | $41 | 0.10% |
| DOREEN CAPP3 | 135 W NYACK RD APT 73 NANUET, NY 10954 | AFLAC | $39 | — | $39 | 0.09% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $37 | — | $37 | 0.09% |
| MICHAEL T REYES3 | 250 WINTON RD FAIRFIELD, CT 06824 | AFLAC | $30 | — | $30 | 0.07% |
| LAURA MARIE SMITH3 | 20 DAVIS HILL RD STORMVILLE, NY 12582 | AFLAC | $28 | — | $28 | 0.07% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $23 | — | $23 | 0.05% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $23 | — | $23 | 0.05% |
| MELISA SCHOFIELD3 | 11620 N 39TH ST PHOENIX, AZ 85028 | AFLAC | $19 | — | $19 | 0.04% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $19 | — | $19 | 0.04% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $17 | — | $17 | 0.04% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $13 | — | $13 | 0.03% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $13 | — | $13 | 0.03% |
| MATTHEW G BERGER3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $13 | — | $13 | 0.03% |
| ANDBEE CORP3 | PO BOX 84 SOUTHFIELDS, NY 10975 | AFLAC | $10 | — | $10 | 0.02% |
| TOMAS E FLORES3 | 1265 15TH ST APT 16G FORT LEE, NJ 07024 | AFLAC | $9 | — | $9 | 0.02% |
| SHARON E. SAX3 Filed as: SHARON E SAX | 525 SPRING VALLEY RD APT A MAYWOOD, NJ 07607 | AFLAC | $7 | — | $7 | 0.02% |
| GREGORY E MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $7 | — | $7 | 0.02% |
| LOUIS C CURTO3 | 12025 CITRUS FALLS CIR APT 207 TAMPA, FL 33625 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $4 | — | $4 | 0.01% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $3 | — | $3 | 0.01% |
| BINA MAMPILLY3 | 11 ALLEGANY AVE NYACK, NY 10960 | AFLAC | $2 | — | $2 | 0.00% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $2 | — | $2 | 0.00% |
| MELISA SCHOFIELD3 | 932 E VOLK LN MIDDLETOWN, CT 06457 | AFLAC | $2 | — | $2 | 0.00% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPELS, FL 34108 | AFLAC | $2 | — | $2 | 0.00% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT JAMES LAMB3 | 181 DEEPWOOD DRIVE GUILFORD, CT 06437 | AFLAC | $1 | — | $1 | 0.00% |
| CAPACITY BENEFITS AND FINANCIAL3 Filed as: CAPACITY BENEFITS & FINANCIAL | SERVICES 1 BLUE HILL PLZ STE 1689 PEARL RIVER, NY 10965 | VISION SERVICE PLAN | $1K | — | $1K | 4.46% |
| COMBINED DBL RESOURCES LTD3 | 155 PINELAWN RD STE 120S MELVILLE, NY 11747 | VISION SERVICE PLAN | $1K | — | $1K | 3.68% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BNFT & FNCL SVCS GRP LLC | 1 BLUE HILL PLAZA FL 12 PEARL RIVER, NY 10965 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 7.84% |
| 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 | 4.99% |
| CAPACITY BENEFITS AND FINANCIAL3 Filed as: CAPACITY BENEFITS & FINANCIAL | ONE INTERNATIONAL BLVD. MAHWAH, NJ 07495 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $252 | — | $252 | 0.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 SERVICE PROVIDER | Named fiduciary; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Participant communication Service code 12 | — | $149K |
| CAPACITY BNFT AND FIN SVCS GRP LLC BROKER/AGENT | Other services Service code 49 | ONE INTERNATIONAL DRIVE MAHWAH, NJ 07495 | $113K |
| CIGNA | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $0 |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 743 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,040 | $260K |
| Vision | VISION SERVICE PLAN | 350 | $29K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 743 | $27K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 338 | $973K |
| Other(2 contracts, 2 carriers) | AFLAC | 743 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,040 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.