| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.05% |
| EPIC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | — | $42K | 6.77% |
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 4.13% |
| RISPLER, DAVID B3 | 1000 WOODBURY ROAD, SUITE 300 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $299 | — | $299 | 0.07% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS LL | 1000 WOODBURY ROAD, SUITE 300 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS LL | 1000 WOODBURY ROAD, SUITE 300 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 0.61% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS LL | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD FLORHAM PARK, NJ 07932 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $113 | — | $113 | 0.14% |
| SILEO ENTERPRISES LLC4 | 17 TRUMBULL CT JACKSON, NJ 08527 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 16.73% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $202 | — | $202 | 0.89% |
| KIMBERLY FERRIS4 Filed as: KIMBERLY A FERRIS | 48 BERNHARDT DR AMHERST, NC 14226 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $178 | — | $178 | 0.79% |
| DAWN MASCHAS3 | 1277 SW HIGH POINT LN PALM CITY, FL 34990 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $3K | $103 | $3K | 12.97% |
| MARGARET PEARSON3 | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $582 | $24 | $606 | 2.75% |
| CHRISTIAN M TULLY3 | 154 LAUREL RD EAST NORTHPORT, NY 11731 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $471 | — | $471 | 2.14% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $227 | — | $227 | 1.03% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $81 | — | $81 | 0.37% |
| LESLEY ANN KEENAN3 Filed as: LESLEY A KEENAN | 18478 CLAYBROOK ST JUPITER, FL 33458 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $64 | — | $64 | 0.29% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $20 | — | $20 | 0.09% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARASOTA SPRINGS, NY 12866 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $16 | — | $16 | 0.07% |
| GERARD SCHWEYHER3 | 217 ARNOLD AVE WEST BABYLON, NY 11704 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $15 | — | $15 | 0.07% |
| JASON G DENIVO3 Filed as: JASON DENIVO | 199 WATER ST FL 23 NEW YORK, NY 10038 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $2 | — | $2 | 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 | 15.00% |
| EPIC3 | — | CHLIC FOR THE BENEFIT OF LINA | $345 | — | $345 | 6.96% |
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | CHLIC FOR THE BENEFIT OF LINA | $195 | — | $195 | 3.94% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD FLORHAM PARK, NJ 07932 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $127 | — | $127 | 3.23% |
| DAWN MASCHAS3 | 1277 SW HIGH POINT LN PALM CITY, FL 34990 | AFLAC | $772 | — | $772 | 38.10% |
| M PEARSON ASSOCIATES CORP3 | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $112 | — | $112 | 5.53% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $70 | — | $70 | 3.46% |
| MARGARET PEARSON3 | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $11 | — | $11 | 0.54% |
| LESLEY ANN KEENAN3 Filed as: LESLEY KEENAN | 18478 CLAYBROOK ST JUPITER, FL 33458 | AFLAC | $7 | — | $7 | 0.35% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD FLORHAM PARK, NJ 07932 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $13 | — | $13 | 6.34% |
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 | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,468 | $14.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 1,467 | $1.3M |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,408 | $88K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 601 | $533K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 601 | $688K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 601 | $430K |
| Other(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 450 | $776K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,468 | — |
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 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.