| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $10K | $12K | $21K | 15.78% |
| MY BENEFIT ADVISORS LLC3 Filed as: MY BENEFIT ADVISORS | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | VISION SERVICE PLAN | $910 | — | $910 | 6.27% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 Filed as: SAL RESTIVO INS. BROKERAGE CORP. | 32 HASKEL LANE STONYBROOK, NY 11790 | AFLAC | $396 | — | $396 | 3.97% |
| MJ INSURANCE3 Filed as: MELANIE GARCIA AND VARIOUS AGENTS | 844 FRANKLIN AVENUE VALLEY STREAM, NY 11580 | AFLAC | $242 | — | $242 | 2.43% |
| MICHAEL BURACK3 | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $96 | — | $96 | 0.96% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $66 | — | $66 | 0.66% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $52 | — | $52 | 0.52% |
| EDWIN O'CONNOR3 Filed as: EDWIN OCONNOR | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $48 | — | $48 | 0.48% |
| MARGARET BRESLIN3 | 250 WINDWARD DRIVE PORT JEFFERSON, NY 11777 | AFLAC | $42 | — | $42 | 0.42% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 105 | $135K |
| Vision | VISION SERVICE PLAN | 101 | $15K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 105 | $135K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 105 | $135K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 105 | $135K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 105 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.