| 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 | $10K | $20K | 14.77% |
| MY BENEFIT ADVISORS LLC3 Filed as: MY BENEFIT ADVISORS | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | VISION SERVICE PLAN | $860 | $0 | $860 | 5.94% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $466 | $0 | $466 | 5.37% |
| MJ INSURANCE3 Filed as: BENITO ROTONDI AND VARIOUS AGENTS | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $197 | $0 | $197 | 2.27% |
| MICHAEL BURACK3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $89 | $0 | $89 | 1.03% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $70 | $0 | $70 | 0.81% |
| EDWIN O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $44 | $0 | $44 | 0.51% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $42 | $0 | $42 | 0.48% |
| MARGARET BRESLIN3 | 250 WINDWARD DRIVE PORT JEFFERSON, NY 11777 | AFLAC | $36 | $0 | $36 | 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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 333 | $136K |
| Vision | VISION SERVICE PLAN | 106 | $14K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 333 | $136K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 333 | $136K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 333 | $136K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 333 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.