| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | EMBLEM HEALTH | $230K | — | $230K | 2.34% |
| VINCENT KRILL3 | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $30K | $985 | $31K | 17.36% |
| TAYLOR J COOMBS3 Filed as: TAYLOR COOMBS | 1 CRONOMER HEIGHTS DRIVE NEWBURGH, NY 12550 | AFLAC | $26K | $2K | $28K | 15.71% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $7K | $879 | $8K | 4.24% |
| JARED KANSKY3 | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $681 | $102 | $783 | 0.44% |
| MICHELE J ZRELAK3 Filed as: MICHELE ZRELAK | 8 MULLER DRIVE NEW CITY, NY 10956 | AFLAC | $658 | $102 | $760 | 0.43% |
| THERESA MAGARGAL3 | 42592 HOLLYHOCK TERRACE ASHBURN, VA 20148 | AFLAC | $579 | — | $579 | 0.33% |
| RICHARD SERAPHIM WOOD3 Filed as: RICHARD WOOD | 523 NEW HEMPSTEAD ROAD SPRING VALLEY, NY 10977 | AFLAC | $502 | — | $502 | 0.28% |
| HARRY Q FLOERSHEIM3 Filed as: HARRY FLOERSHEIM | 6 MOUNTAINVIEW DRIVE TOMKINS COVE, NY 10986 | AFLAC | $431 | $10 | $441 | 0.25% |
| JESSICA KRILL3 | 12 WEST STREET, APT. 6 GOSHEN, NY 10924 | AFLAC | $320 | $55 | $375 | 0.21% |
| JESSE PELIGRI3 | 136 FOLTIM WAY CONGERS, NY 10920 | AFLAC | $187 | — | $187 | 0.10% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC. | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | AFLAC | $91 | — | $91 | 0.05% |
| JOSEPH FOXLEY3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $58 | — | $58 | 0.03% |
| RYAN HAFF3 | 496 LT BRENDER HIGHWAY FERNDALE, NY 12734 | AFLAC | $47 | $5 | $52 | 0.03% |
| BRUCE IRA SUGARMAN3 Filed as: BRUCE SUGARMAN | 1 G HERITAGE DRIVE HARRIMAN, NY 10926 | AFLAC | $51 | — | $51 | 0.03% |
| DONNA TROIA3 | 928 HAVERSTRAW ROAD SUFFERN, NY 10901 | AFLAC | $23 | — | $23 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $9 | — | $9 | 0.01% |
| RANDI E RIVA3 Filed as: RANDI RIVA | 312 GALLERY LANE MOUNT BETHEL, PA 18343 | AFLAC | $8 | — | $8 | 0.00% |
| JENNIFER LIPINS3 | 78 HUNT AVENUE, APT. 3A PEARL RIVER, NY 10965 | AFLAC | $7 | — | $7 | 0.00% |
| ALEX BARRERA3 | 433 GREEN MOUNTAIN ROAD MAHWAH, NJ 07430 | AFLAC | $2 | — | $2 | 0.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | SHELTER POINT LIFE INSURANCE COMPANY | $7K | — | $7K | 4.23% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS, INC. | 75 SOUTH BROADWAY, SUITE 415 WHITE PLAINS, NY 10601 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 6.07% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 4.79% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.34% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS, INC | 75 SOUTH BROADWAY, SUITE 415 WHITE PLAINS, NY 10601 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $2K | — | $2K | 4.54% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $922 | — | $922 | 2.01% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | DAVIS VISION | $5K | — | $5K | — |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | DELTA DENTAL OF NEW YORK, INC. | $24K | — | $24K | — |
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 | 1,479 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 824 | $9.9M |
| Dental | DELTA DENTAL OF NEW YORK, INC. | 2,004 | $0 |
| Vision | DAVIS VISION | 2,108 | $0 |
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,165 | $122K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 1,479 | $450K |
| Long-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,165 | $96K |
| Prescription drug | EMBLEM HEALTH | 824 | $9.9M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 10 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,108 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.