| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS & FINANCIAL SER | PO BOX 1689 PEARL RIVER, NY 10965 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | — | $119K | $119K | 4.01% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS AND FINANCIAL SRV | PO BOX 1689 PEARL RIVER, NY 10965 | EMPIRE BLUE CROSS AND BLUE SHIELD | $38K | — | $38K | 6.48% |
| CAPACITY BENEFITS AND FINANCIAL3 Filed as: CAPACITY BENEFITS & FINANCIAL | ONE BLUE HILL PLAZA PEARL RIVER, NY 10965 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $11K | $26K | 10.17% |
| CAPACITY BENEFITS & FINANCIAL SERV3 | ONE BILL HILL PLAZA PEARL RIVER, NY 10965 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $6K | $8K | 4.43% |
| JEM DIRECT INC3 | 1 BLUE HILL PLZ PEARL RIVER, NY 10965 | AFLAC | $2K | — | $2K | 5.65% |
| BRUCE G HILLYER3 | 8 HARVARD DR CARMEL, NY 10512 | AFLAC | $521 | — | $521 | 1.94% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS & FIN SERV GRP | 1 INTERNATIONAL BLVD MAHWAH, NJ 07495 | AFLAC | $498 | — | $498 | 1.86% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $185 | — | $185 | 0.69% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $134 | — | $134 | 0.50% |
| BRIAN FAIN3 | 54 THIMBLE FARMS RD BRANFORD, CT 06405 | AFLAC | $70 | — | $70 | 0.26% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $63 | — | $63 | 0.23% |
| WENDY CALIENDO3 | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $50 | — | $50 | 0.19% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PL WEST LINN, OR 97068 | AFLAC | $48 | — | $48 | 0.18% |
| ALAN P FABRICANT3 | C/O NATIONAL PLANNING CORP. 3859 NEWHAVEN LAKE DR WELLINGTON, FL 33602 | AFLAC | $47 | — | $47 | 0.18% |
| ROCO SOLUTIONS LLC3 | 704 SEAGATE DR TAMPA, FL 33602 | AFLAC | $41 | — | $41 | 0.15% |
| AMANDA GRABANICA3 | 7 COLONIAL RD SCARSDALE, NY 10583 | AFLAC | $38 | — | $38 | 0.14% |
| ANDBEE CORP3 | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $35 | — | $35 | 0.13% |
| GINA L BELLO3 | PO BOX 111323 NAPLES, FL 34108 | AFLAC | $33 | — | $33 | 0.12% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $26 | — | $26 | 0.10% |
| MICHAEL T REYES3 | 250 WINTON RD FAIRFIELD, CT 06824 | AFLAC | $23 | — | $23 | 0.09% |
| LAURA MARIE SMITH3 | 20 DAVIS HILL RD STORMVILLE, NY 12582 | AFLAC | $22 | — | $22 | 0.08% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $21 | — | $21 | 0.08% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $19 | — | $19 | 0.07% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $17 | — | $17 | 0.06% |
| DONALD FINK3 | 9 PATRICIA DR NEW CITY, NY 10956 | AFLAC | $16 | — | $16 | 0.06% |
| JENNIFER DELIA3 | 3 BLAUVELT RD BLAUVELT, NY 10913 | AFLAC | $12 | — | $12 | 0.04% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $10 | — | $10 | 0.04% |
| CHRISTOPHER GURNEE3 | 34 SALK DR HIGHLAND, NY 12528 | AFLAC | $10 | — | $10 | 0.04% |
| MATTHEW G BERGER3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $10 | — | $10 | 0.04% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $7 | — | $7 | 0.03% |
| LOUIS C CURTO3 | 135 EAST LAKE CLUB DR OLDSMAR, FL 34677 | AFLAC | $5 | — | $5 | 0.02% |
| GINA L BELLO3 Filed as: GINA BELLO & ASSOCIATES LLC | PO BOX 111323 NAPLES, FL 34108 | AFLAC | $4 | — | $4 | 0.01% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $3 | — | $3 | 0.01% |
| THOMAS FLORES3 Filed as: THOMAS E FLORES | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.00% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $1 | — | $1 | 0.00% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT JAMES LAMB3 | 181 DEEPWOOD DR GUILFORD, CT 06437 | AFLAC | $1 | — | $1 | 0.00% |
| CAPACITY BENEFITS & FINANCIAL SERV3 | 1 BLUE HILL PLZ STE 1689 PEARL RIVER, NY 109653151 | VISION SERVICE PLAN | $966 | — | $966 | 4.93% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | AN ALERO GROUP LLC 155 PINELAWN RD STE 120S MELVILLE, NY 117473252 | VISION SERVICE PLAN | $373 | — | $373 | 1.90% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD STE 120S MELVILLE, NY 117473252 | VISION SERVICE PLAN | $54 | — | $54 | 0.28% |
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 | 492 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 235 | $3.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $255K |
| Vision | VISION SERVICE PLAN | 226 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $255K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $172K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $255K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.