| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYAN LEE3 | 2664 DOROTHY STREET BELLMORE, NY 11710 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 5.34% |
| BETH MOSS | 2304 WESTLAKE COURT OCEANSIDE, NY 11572 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $344 | $0 | $344 | 1.30% |
| JACQUES P DAVID CORPORATION Filed as: JACQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $309 | $0 | $309 | 1.17% |
| MICHAEL PASQUALY DESTEFANO Filed as: MICHAEL DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $13 | $0 | $13 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.20% |
| BRYAN LEE3 | 2664 DOROTHY STREET BELLMORE, NY 11710 | AFLAC | $1K | $183 | $1K | 11.06% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES DAVID | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $158 | $43 | $201 | 1.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | COUNTRYWIDE ENTERPRISES, INC | $246 | $0 | $246 | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $2K | $2K | — |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $82K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $82K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 142 | $123K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 142 | $123K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 142 | $123K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $1.3M |
| Other(6 contracts, 6 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 142 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.