| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 1689 PEARL RIVER, NY 10965 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $89K | $100K | 4.29% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS & FINANCIAL SER | PO BOX 1689 PEARL RIVER, NY 10965 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | — | $8K | $8K | 0.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | ONE BLUE HILL PLAZA 12TH FLOOR PEARL RIVER, NY 10965 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 8.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | ONE BILL HILL PLAZA 12TH FLOOR PEARL RIVER, NY 10965 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $4K | $6K | 4.02% |
| JEM DIRECT INC3 Filed as: JEM DIREST INC | 1 BLUE HILL PLZ STE 1535 PEARL RIVER, NY 10965 | AFLAC | $2K | $106 | $2K | 5.18% |
| BRUCE G HILLYER3 | 8 HARVARD DR CARMEL, NY 10512 | AFLAC | $736 | — | $736 | 1.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 INTERNATIONAL BLVD MAHWAH, NJ 07495 | AFLAC | $503 | — | $503 | 1.35% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $213 | $25 | $238 | 0.64% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFITS & FIN SRV GRP LLC | 1 INTERNATIONAL BLVD MAHWAH, NJ 07495 | AFLAC | $149 | — | $149 | 0.40% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DR NEW CITY, NY 10956 | AFLAC | $138 | — | $138 | 0.37% |
| BRIAN FAIN3 | 54 THIMBLE FARMS RD BRANFORD, CT 06405 | AFLAC | $102 | — | $102 | 0.27% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $91 | — | $91 | 0.24% |
| WENDY CALIENDO3 | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $72 | — | $72 | 0.19% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PL WEST LINN, OR 97068 | AFLAC | $69 | — | $69 | 0.18% |
| ALAN P FABRICANT3 | C/O NATIONAL PLANNING CORP 3859 NEWHAVEN LAKE DR WELLINGTON, FL 33449 | AFLAC | $68 | — | $68 | 0.18% |
| AMANDA GRABANICA3 | 7 COLONIAL RD SCARSDALE, NY 10583 | AFLAC | $54 | — | $54 | 0.14% |
| GINA L BELLO3 | PO BOX 111323 NAPLES, FL 34108 | AFLAC | $53 | — | $53 | 0.14% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $38 | — | $38 | 0.10% |
| MICHAEL T REYES3 | 250 WINTON RD FAIRFIELD, CT 06824 | AFLAC | $33 | — | $33 | 0.09% |
| LAURA MARIE SMITH3 | 20 DAVIS HILL RD STORMVILLE, NY 12582 | AFLAC | $31 | — | $31 | 0.08% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $31 | — | $31 | 0.08% |
| ROCO SOLUTIONS LLC3 | 704 SEAGATE DR TAMPA, FL 33602 | AFLAC | $28 | — | $28 | 0.08% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $27 | — | $27 | 0.07% |
| BRUCE B BARRETT3 | 145 N FRANKLIN TPKE STE 118 RAMSEY, NJ 07446 | AFLAC | $27 | — | $27 | 0.07% |
| DOMINICK R SIRACUSA3 | 225 DOLSOM AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $25 | — | $25 | 0.07% |
| LILLIAN TOMPKINS3 | 100 STONY BROOK CT NEWBURGH, NY 12550 | AFLAC | $24 | — | $24 | 0.06% |
| ANDBEE CORP3 | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $23 | — | $23 | 0.06% |
| JENNIFER DELIA3 | 3 BLAUVELT RD BLAUVELT, NY 10913 | AFLAC | $18 | — | $18 | 0.05% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $15 | — | $15 | 0.04% |
| MATTHEW G BERGER3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $14 | — | $14 | 0.04% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $9 | — | $9 | 0.02% |
| LOUIS C CURTO3 Filed as: LOUIS S CURTO | 135 EAST LAKE CLUB DR OLDSMAR, FL 34677 | AFLAC | $7 | — | $7 | 0.02% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $4 | — | $4 | 0.01% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $4 | — | $4 | 0.01% |
| THOMAS FLORES3 Filed as: THOMAS E FLORES | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $2 | — | $2 | 0.01% |
| TODD BURKE3 | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT JAMES LAMB3 | 181 DEEPWOOD DR GUILFORD, CT 06437 | AFLAC | $1 | — | $1 | 0.00% |
| BINA MAMPILLY3 | 11 ALLEGANY AVE NYACK, NY 10960 | AFLAC | $1 | — | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 1689 PEARL RIVER, NY 10965 | VISION SERVICE PLAN | $1K | — | $1K | 5.54% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD STE 120S MELVILLE, NY 117473252 | VISION SERVICE PLAN | $352 | — | $352 | 1.88% |
| CAPACITY BENEFITS & FINANCIAL SERV3 | 1 BLUE HILL PLZ STE 1689 PEARL RIVER, NY 109653151 | VISION SERVICE PLAN | $54 | — | $54 | 0.29% |
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 | 510 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 223 | $2.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 510 | $2.6M |
| Vision | VISION SERVICE PLAN | 200 | $19K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 510 | $224K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 483 | $141K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 510 | $224K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 510 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
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.