| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP, INC. | 125 PARK AVENUE, SUITE 1607 NEW YORK, NY 10017 | OXFORD HEALTH INSURANCE, INC | $56K | $0 | $56K | 4.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II, SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC | $0 | $15K | $15K | 1.07% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $12K | $17K | $28K | 17.67% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 Filed as: SAL RESTIVO INS. BROKERAGE | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $6K | $0 | $6K | 14.83% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHCO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $674 | $169 | $843 | 2.19% |
| MICHAEL BURACK3 | 125 JERICHCO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $558 | $169 | $727 | 1.89% |
| MARGARET BRESLIN3 | 250 WINDWARD DRIVE PORT JEFFERSON, NY 11777 | AFLAC | $356 | $74 | $430 | 1.12% |
| MJ INSURANCE3 Filed as: ROBERT BEEGEL AND VARIOUS AGENTS | 146 BAYVIEW AVENUE NORTHPORT, NY 11768 | AFLAC | $409 | $0 | $409 | 1.06% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $267 | $0 | $267 | 0.69% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELVILLE, NY 11747 | AFLAC | $98 | $0 | $98 | 0.25% |
| MY BENEFIT ADVISORS LLC3 Filed as: MY BENEFIT ADVISORS | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | VISION SERVICE PLAN | $928 | $0 | $928 | 5.72% |
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 | 337 | 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) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 174 | $1.4M |
| Dental | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 337 | $160K |
| Vision | VISION SERVICE PLAN | 107 | $16K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 337 | $160K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 337 | $160K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 337 | $160K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 174 | $1.4M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 337 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
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.