| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HOTALING GROUP3 Filed as: HOTALING GROUP | 8 FLETCHER PLACE MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 6.95% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS, LLC | 2 ENTERPRISE DRIVE, SUITE 204 SHELTON, CT 06484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $4K | $4K | 3.97% |
| THE HOTALING GROUP3 | 8 FLETCHER PLACE MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $8K | $0 | $8K | 10.18% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC. | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $4K | $4K | 5.00% |
| SAL RESTIVO INS BROKERAGE COR3 | 248 ROUTE 25A, SUITE 3009 EAST SETAUKET, NY 11733 | AFLAC | $4K | $0 | $4K | 9.94% |
| JOSHUA P SAUNDERS3 Filed as: JOSHUA P. SAUNDERS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $450 | $104 | $554 | 1.22% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DRIVE, APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $397 | $104 | $501 | 1.11% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $360 | $0 | $360 | 0.80% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELVILLE, NY 11747 | AFLAC | $231 | $0 | $231 | 0.51% |
| EDWIN O. CONNOR AND OTHER AGENTS3 | 19 OCEAN AVENUE AMITYVILLE, NY 11701 | AFLAC | $183 | $0 | $183 | 0.40% |
| DON'T SWEAT LIFE INC3 Filed as: DON'T SWEAT LIFE, INC. | 160 MIDDLE NECK ROAD, APARTMENT 3B GREAT NECK, NY 11021 | AFLAC | $33 | $0 | $33 | 0.07% |
| THE HOTALING GROUP3 | 8 FLETCHER PLACE MELLVILLE, NY 11747 | VISION SERVICE PLAN | $967 | $0 | $967 | 5.99% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $966 | $0 | $966 | 5.99% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 98 | $105K |
| Vision | VISION SERVICE PLAN | 100 | $16K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 233 | $77K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 233 | $77K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 233 | $77K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 233 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.