| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HOTALING GROUP3 Filed as: HOTALING GROUP | 8 FLETCHER PLACE MELLVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 6.94% |
| 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 | $2K | $2K | 2.27% |
| 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 | $2K | $2K | 2.12% |
| THE HOTALING GROUP3 | 105 MAXES ROAD, SUITE S218 MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $8K | $0 | $8K | 9.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $4K | $4K | 5.00% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 Filed as: SAL RESTIVO INSURANCE BROKERAGE | 248 ROUTE 25A, SUITE 3009 EAST SETAUKET, NY 11733 | AFLAC | $2K | $0 | $2K | 8.30% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $441 | $0 | $441 | 1.64% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELLVILLE, NY 11747 | AFLAC | $238 | $0 | $238 | 0.88% |
| MJ INSURANCE3 Filed as: EDWIN O'CONNOR AND VARIOUS AGENTS | 22 FAIRVIEW ROAD WEST MASSAPEQUA, NY 11758 | AFLAC | $134 | $0 | $134 | 0.50% |
| SLAVATORE RESTIVO3 | 248 ROUTE 25A, SUITE 3009 EAST SETAUKET, NY 11733 | AFLAC | $126 | $0 | $126 | 0.47% |
| DON'T SWEAT LIFE INC3 Filed as: DON'T SWEAT LIFE, INC. | 160 MIDDLE NECK ROAD, APARTMENT 3B GREAT NECK, NY 10021 | AFLAC | $113 | $0 | $113 | 0.42% |
| MARGARET BRESLIN | 336 ALFRED STREET NORTH BABYLON, NY 11703 | AFLAC | $104 | $0 | $104 | 0.39% |
| THE HOTALING GROUP3 | 125 PARK AVENUE, 8TH FLOOR NEW YORK, NY 10017 | VISION SERVICE PLAN | $868 | $0 | $868 | 6.04% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $719 | $0 | $719 | 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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 88 | $89K |
| Vision | VISION SERVICE PLAN | 88 | $14K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 236 | $78K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 236 | $78K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 236 | $78K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 236 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.