| 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 | $6K | $824 | $7K | 7.83% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $4K | $4K | 4.32% |
| THE HOTALING GROUP3 | 105 MAXES ROAD, SUITE S218 MELLVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $7K | $0 | $7K | 9.12% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $4K | $4K | 5.00% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 Filed as: SAL RESTIVO INS BROKERAGE CORP | 248 ROUTE 25A, SUITE 3009 EAST SETAUKET, NY 11733 | AFLAC | $2K | $0 | $2K | 9.60% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $313 | $11 | $324 | 1.40% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELVILLE, NY 11747 | AFLAC | $254 | $0 | $254 | 1.10% |
| MJ INSURANCE3 Filed as: EDWIN O'CONNOR AND VARIOUS AGENTS | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $213 | $0 | $213 | 0.92% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $118 | $0 | $118 | 0.51% |
| MARGARET BRESLIN3 | 250 WINDWARD DRIVE PORT JEFFERSON, NY 11777 | AFLAC | $112 | $0 | $112 | 0.48% |
| DON'T SWEAT LIFE INC3 Filed as: DON'T SWEAT LIFE, INC. | 146 BAYVIEW AVENUE NORTHPORT, NY 11768 | AFLAC | $75 | $11 | $86 | 0.37% |
| THE HOTALING GROUP3 | 125 PARK AVENUE, 8TH FLOOR NEW YORK, NY 10017 | VISION SERVICE PLAN | $952 | $0 | $952 | 6.07% |
| THE HOTALING GROUP3 | 2103 CORAL WAY, SUITE 721 MIAMI, FL 33145 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $10 | $765 | $775 | 553.57% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $7 | $7 | 5.00% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 97 | $92K |
| Vision | VISION SERVICE PLAN | 103 | $16K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 232 | $72K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 232 | $72K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 232 | $72K |
| Other(3 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 232 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.