| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | — | $54K | 9.90% |
| RISPLER, DAVID B3 | 1000 WOODBURY ROAD, SUITE 300 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 2.43% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS LL | 1000 WOODBURY ROAD, SUITE 300 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | — | $170 | $170 | 0.05% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS LL | 1000 WOODBURY ROAD, SUITE 300 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 3.18% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS LL | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $113 | — | $113 | 0.13% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD FLORHAM PARK, NJ 07932 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 6.52% |
| SILEO ENTERPRISES LLC4 | 17 TRUMBULL CT JAXKSON, NJ 08527 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 17.91% |
| KIMBERLY FERRIS4 Filed as: KIMBERLY A FERRIS | 48 BERNHARDT DR AMHERST, NJ 14226 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $128 | — | $128 | 0.59% |
| DAWN MASCHAS3 | 1277 SW HIGH POINT LN PALM CITY, FL 34990 | AFLAC | $2K | $95 | $2K | 14.53% |
| CHRISTIAN M TULLY3 | 154 LAUREL RD EAST NORTHPORT, NY 11731 | AFLAC | $445 | $0 | $445 | 2.92% |
| MARGARET PEARSON3 | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $391 | $21 | $412 | 2.71% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $217 | — | $217 | 1.43% |
| LESLEY ANN KEENAN3 Filed as: LESLEY A KEENAN | 3000 S HIGHWAY A1A APT 202 JUPITER, FL 33477 | AFLAC | $118 | $21 | $139 | 0.91% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $74 | — | $74 | 0.49% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARASOTA SPRINGS, NY 12866 | AFLAC | $14 | — | $14 | 0.09% |
| GERARD SCHWEYHER3 Filed as: GERARD K SCHWEYHER | 217 ARNOLD AVE WEST BABYLON, NY 11704 | AFLAC | $13 | — | $13 | 0.09% |
| J G DENIVO CORP3 | 24 CORDELL PL EAST NORTHPORT, NY 11731 | AFLAC | $4 | — | $4 | 0.03% |
| J G DENIVO CORP3 | 14107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY MARK YATES3 | 10 E END AVE NEW YORK, NY 10075 | AFLAC | $1 | — | $1 | 0.01% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 1000 WOODBURY ROAD, SUITE 300 WOODBURY, NY 11797 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $471 | — | $471 | 10.34% |
| DAWN MASCHAS3 | 1277 SW HIGH POINT LN PALM CITY, FL 34990 | AFLAC | $762 | — | $762 | 39.71% |
| M PEARSON ASSOCIATES CORP3 | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $82 | — | $82 | 4.27% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $51 | — | $51 | 2.66% |
| MARGARET PEARSON3 Filed as: MARGARET ANN PEARSON | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $39 | — | $39 | 2.03% |
| LESLEY ANN KEENAN3 | 3000 S HIGHWAY A1A APT 202 JUPITER, FL 33477 | AFLAC | $24 | — | $24 | 1.25% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD FLORHAM PARK, NJ 07932 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $33 | — | $33 | 4.87% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD FLORHAM PARK, NJ 07932 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $12 | — | $12 | 6.28% |
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 | 521 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,351 | $12.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 1,332 | $1.1M |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,244 | $80K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 521 | $463K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 521 | $556K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 521 | $556K |
| Other(7 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 450 | $680K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,351 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.