| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE INC. | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $55K | $55K | 2.12% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC. | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $50K | $50K | 1.95% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $18K | $18K | 0.69% |
| EMERSON REID LLC3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $10K | $10K | 10.47% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 3.10% |
| ACRISURE LLC3 Filed as: JH COHN CHERNOFF DIAMOND LLC | 725 RXR PLAZA UNIONDALE, NY 11556 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | $152 | $2K | 1.91% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND COMPANY | 725 RXR PLAZA UNIONDALE, NY 11556 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $616 | $49 | $665 | 0.70% |
| JAMES E THARP3 | 6 PINE TREE COURT VALLEY COTTAGE, NY 10989 | AFLAC | $2K | $1K | $3K | 11.05% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 1 BLUE HILL PLAZA, SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $633 | $210 | $843 | 2.81% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE, SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $452 | $210 | $662 | 2.20% |
| W E BRENNAN INC3 | 5 CORPORATE DRIVE, SUITE 104 CENTRAL VALLEY, NY 10917 | AFLAC | $278 | $0 | $278 | 0.93% |
| MJ INSURANCE3 Filed as: JULIE POLINSKY AND VARIOUS AGENTS | 744 CARROLL PLACE TEANECK, NJ 07666 | AFLAC | $215 | $0 | $215 | 0.72% |
| WILLIAM E BRENNAN3 | PO BOX 311 SOUTHFIELDS, NY 10975 | AFLAC | $77 | $0 | $77 | 0.26% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $50 | $0 | $50 | 0.17% |
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $623 | $0 | $623 | 8.06% |
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | THE PAUL REVERE LIFE INSURANCE COMPANY | $147 | $0 | $147 | 3.25% |
| DANA SUMMERS3 | 135 BALLSON DRIVE MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $97 | $0 | $97 | 2.15% |
| MICHAEL GEOFFREY VASQUEZ3 | 451 EMERSON DRIVE AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $65 | $0 | $65 | 1.44% |
| HELEN DIZ-HATTON3 | 4 PALMER LANCE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.93% |
| HOWARD HOROWITZ3 Filed as: HOWARD P. DILEMA | 100 JAY STREET, APARTMENT 14J BROOKLYN, NY 11201 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.42% |
| SALATHIEL MALDONADO3 | 3717 CYPRESS AVENUE BROOKLYN, NY 11224 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.09% |
| GFI INSURANCE3 | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | EMPLOYEE SERVICES, INC. | $102 | $0 | $102 | 5.01% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 282 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 282 | $2.6M |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 305 | $94K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 305 | $94K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 282 | $2.6M |
| Other(5 contracts, 5 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 452 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.