| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | — | $67K | 9.96% |
| PREMIER BENEFIT PLANS INC4 | 35 PINELAWN RD STE 208E MELVILLE, NY 11747 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 10.00% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 7.00% |
| DAWN MASCHAS3 | 1277 SW HIGH POINT LN PALM CITY, FL 34990 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $1K | $103 | $2K | 8.68% |
| CHRISTIAN M TULLY3 | 154 LAUREL RD EAST NORTHPORT, NY 11731 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $362 | — | $362 | 2.01% |
| MARGARET PEARSON3 | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $323 | $24 | $347 | 1.93% |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $173 | — | $173 | 0.96% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $62 | — | $62 | 0.34% |
| LESLEY ANN KEENAN3 Filed as: LESLEY A KEENAN | 18478 CLAYBROOK ST JUPITER, FL 33458 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $32 | — | $32 | 0.18% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $16 | — | $16 | 0.09% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARASOTA SPRINGS, NY 12866 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $13 | — | $13 | 0.07% |
| GERARD SCHWEYHER3 | 217 ARNOLD AVE WEST BABYLON, NY 11704 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $11 | — | $11 | 0.06% |
| LESLEY ANN KEENAN3 Filed as: LESLEY A KEENAN | 3000 S HIGHWAY A1A APT 202 JUPITER, FL 33477 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $5 | — | $5 | 0.03% |
| EPIC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $481 | — | $481 | 10.15% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $5 | — | $5 | 2.87% |
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 | 654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,599 | $16.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 1,557 | $1.4M |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,491 | $87K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 660 | $414K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 660 | $409K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 660 | $409K |
| Other(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 450 | $825K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,599 | — |
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.