| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | — | DELTA DENTAL OF NEW YORK, INC. | $10K | — | $10K | 2.20% |
| THE CAMPS GROUP LLC3 | 122 EAST 42ND STREET NEW YORK, NY 10168 | DELTA DENTAL OF NEW YORK, INC. | $6K | — | $6K | 1.29% |
| THE CAMPS GROUP LLC3 Filed as: CAMPS GROUP LLC | 122 EAST 42ND STREET SUITE 1903 NEW YORK, NY 10168 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.30% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING, INC. | 50 BROADWAY HAWTHORNE, NY 10532 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.32% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 10532 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 9.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 320 W 57TH ST 3RD FLOOR NEW YORK, NY 10019 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 9.00% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | AFLAC | $1K | — | $1K | 2.41% |
| HAMILTON CAVANAUGH INC3 | 661 NORTH BROADWAY NORTH WHITE PLAINS, NY 10603 | AFLAC | $722 | — | $722 | 1.71% |
| DANIELLE L SCHOFS3 | 225 EAST 84TH STREET APARTMENT 2C NEW YORK, NY 10028 | AFLAC | $380 | $108 | $488 | 1.15% |
| MICHAEL WELLING3 | MERIDIAN RISK MANAGEMENT PO BOX 8419 PELHAM, NY 10803 | AFLAC | $467 | — | $467 | 1.10% |
| BRIAN MILLER3 | 14 WALL STREET 8TH FLOOR NEW YORK, NY 10005 | AFLAC | $452 | — | $452 | 1.07% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE SUITE 304 MIDDLETON, NY 10940 | AFLAC | $433 | — | $433 | 1.02% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $330 | $22 | $352 | 0.83% |
| CHOO INC3 | 39 CENTRAL AVENUE 3RD FLOOR MONTCLAIR, NJ 07042 | AFLAC | $339 | — | $339 | 0.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 WEST 57TH STREET NEW YORK, NY 10019 | AFLAC | $271 | — | $271 | 0.64% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $167 | — | $167 | 0.40% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $127 | — | $127 | 0.30% |
| TIMONTHY C CAVAZOS3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $73 | $22 | $95 | 0.22% |
| J G DENIVO CORP3 | 14 107 20TH AVENUE SUITE 102 WHITESTONE, NY 11357 | AFLAC | $66 | — | $66 | 0.16% |
| WENDY CALIENDO3 | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $60 | — | $60 | 0.14% |
| THE CAMPS GROUP LLC3 | 122 EAST 42ND STREET NEW YORK, NY 10168 | AFLAC | $53 | — | $53 | 0.13% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $33 | — | $33 | 0.08% |
| STEPHEN WHITE3 | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $30 | — | $30 | 0.07% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $28 | — | $28 | 0.07% |
| INDIRA FABIAN3 | 9 WILCOX ROAD NEW BRUNSWICK, NJ 08901 | AFLAC | $23 | — | $23 | 0.05% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $23 | — | $23 | 0.05% |
| RYAN GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $18 | — | $18 | 0.04% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 EAST 80TH STREET APARTMENT 1A NEW YORK, NY 10075 | AFLAC | $15 | — | $15 | 0.04% |
| MELISA SCHOFIELD3 | 34 WATCH HILL DRIVE MIDDLETOWN, CT 06457 | AFLAC | $14 | — | $14 | 0.03% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $11 | — | $11 | 0.03% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $4 | $2 | $6 | 0.01% |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $4 | $2 | $6 | 0.01% |
| KATHERINE KILPATRICK3 | PO BOX 6824 ST THOMAS, VI 00804 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT DIAZ3 | 15 SCENIC DRIVE APT V CROTON ON HUDSON, NY 10520 | AFLAC | $2 | — | $2 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTON, RI 02852 | AFLAC | $1 | — | $1 | 0.00% |
| PRIMERICA3 | 1 PRIMERICA PARKWAY DULUTH, GA 30099 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | — | — | $0 | — |
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 | 920 | 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) | 920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK, INC. | 446 | $452K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 719 | $82K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 743 | $155K |
| Short-term disability | AFLAC | 37 | $42K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 735 | $50K |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE | 542 | $597K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 743 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.