| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC. | $229K | — | $229K | 2.69% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | EMBLEM HEALTH | $33K | — | $33K | 2.00% |
| VINCENT KRILL3 | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $24K | $597 | $24K | 9.99% |
| TAYLOR J COOMBS3 Filed as: TAYLOR COOMBS | 1 CRONOMER HEIGHTS DRIVE NEWBURGH, NY 12550 | AFLAC | $12K | $1K | $14K | 5.62% |
| KAITLYN HERWIG3 | 1117 FORT HUNTER ROAD SCHENECTADY, NY 12303 | AFLAC | $10K | — | $10K | 4.06% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $6K | $568 | $7K | 2.88% |
| THERESA MAGARGAL3 | 5388 TREVINO DRIVE HAYMARKET, VA 20169 | AFLAC | $705 | $488 | $1K | 0.49% |
| HARRY Q FLOERSHEIM3 Filed as: HARRY FLOERSHEIM | 6 MOUNTAINVIEW DRIVE TOMKINS COVE, NY 10986 | AFLAC | $668 | $347 | $1K | 0.41% |
| RICHARD SERAPHIM WOOD3 Filed as: RICHARD WOOD | 523 NEW HEMPSTEAD ROAD SPRING VALLEY, NY 10977 | AFLAC | $339 | $63 | $402 | 0.16% |
| BRUCE IRA SUGARMAN3 Filed as: BRUCE SUGARMAN | 1 G HERITAGE DRIVE HARRIMAN, NY 10926 | AFLAC | $98 | $124 | $222 | 0.09% |
| CHARLES H STRUBE3 Filed as: CHARLES STRUBE | P.O. BOX 456 TALLMAN, NY 10982 | AFLAC | $214 | $6 | $220 | 0.09% |
| JEM DIRECT INC3 Filed as: JEM DIRECT INC. | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $172 | — | $172 | 0.07% |
| VICTORIA JIMPSON FLUDD3 | 84A FURNACE DOCK ROAD CROTON ON HUDSON, NY 10520 | AFLAC | $166 | $4 | $170 | 0.07% |
| NICHOLAS MCELROY3 | P.O. BOX 1068 MONROE, NY 10949 | AFLAC | $169 | — | $169 | 0.07% |
| MICHELE J ZRELAK3 Filed as: MICHELE ZRELAK | 8 MULLER DRIVE NEW CITY, NY 10956 | AFLAC | $160 | — | $160 | 0.07% |
| DONNA TROIA3 | 928 HAVERSTRAW ROAD SUFFERN, NY 10901 | AFLAC | $13 | $121 | $134 | 0.05% |
| JOSEPH FOXLEY3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $83 | $39 | $122 | 0.05% |
| 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 | 0.04% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SIRACUSA | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $67 | — | $67 | 0.03% |
| KAITLYN BYRNES3 | 24 HIGHVIEW DRIVE SALISBURY MILLS, NY 12577 | AFLAC | $53 | $3 | $56 | 0.02% |
| JESSICA C WIELINSKI3 Filed as: JESSICA WIELINSKI | 336 THE PROMENADE EDGEWATER, NJ 07020 | AFLAC | $46 | — | $46 | 0.02% |
| GRACE IENUSO3 | 96 MYERS ROAD NEVERSINK, NY 12765 | AFLAC | $44 | — | $44 | 0.02% |
| LARRY JAY BLUM3 Filed as: LARRY BLUM | P.O. BOX 254 TALLMAN, NY 10982 | AFLAC | $44 | — | $44 | 0.02% |
| RUSS HEYMAN3 | 9 QUARRY DRIVE NEW CITY, NY 10956 | AFLAC | $38 | — | $38 | 0.02% |
| EDWARD ESTUPINAN3 | 516 AVON COURT RIVER VALE, NJ 07675 | AFLAC | $36 | — | $36 | 0.01% |
| SEAN PEARSON3 | 83 PAULDING LANE CROMPOND, NY 10577 | AFLAC | $17 | — | $17 | 0.01% |
| DEBRA HARRIS3 | 18 GLENSIDE DRIVE NEW CITY, NY 10956 | AFLAC | $13 | — | $13 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $9 | — | $9 | 0.00% |
| ALEX BARRERA3 | 433 GREEN MOUNTAIN ROAD MAHWAH, NJ 07430 | AFLAC | $9 | — | $9 | 0.00% |
| JOSHUA LEHMAN3 | 2 HIGH RIDGE ROAD STONY POINT, NY 10980 | AFLAC | $7 | — | $7 | 0.00% |
| MASSIMO & ASSOCIATES INC3 Filed as: MASSIMO & ASSOCIATES INC. | 1400 MUSTANG STREET NOKOMIS, FL 34275 | AFLAC | $6 | — | $6 | 0.00% |
| MICHAEL PALACE3 | 26 HALLEY DRIVE POMONA, NY 10970 | AFLAC | $5 | — | $5 | 0.00% |
| RANDI E RIVA3 Filed as: RANDI RIVA | 312 GALLERY LANE MOUNT BETHEL, PA 18343 | AFLAC | $4 | — | $4 | 0.00% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $3 | — | $3 | 0.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: PATRICK RUHLE,RUHLE RISK MANAGEMENT | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.00% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.00% |
| MARLENE MILLER3 | 3810 JERUSALEM AVENUE SEAFORD, NY 11783 | AFLAC | $2 | — | $2 | 0.00% |
| STEVEN DALABA3 | 405 CRAVER POINTE DRIVE CLEMMONS, NC 27012 | AFLAC | $1 | — | $1 | 0.00% |
| LAURIE SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.00% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD. | 555 BROADHOLLOW ROAD SUITE 271 MELVILLE, NY 11747 | SHELTER POINT LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | SHELTER POINT LIFE INSURANCE COMPANY | $7K | — | $7K | 4.03% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| 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 | $5K | — | $5K | 6.06% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 4.40% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.18% |
| 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 | 4.50% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $735 | — | $735 | 1.99% |
| 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 | $2K | — | $2K | — |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | DELTA DENTAL OF NEW YORK, INC. | $27K | — | $27K | — |
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 | 1,580 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 1,834 | $10.2M |
| Dental | DELTA DENTAL OF NEW YORK, INC. | 2,319 | $0 |
| Vision | DAVIS VISION | 2,195 | $0 |
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,221 | $117K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 1,580 | $504K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,221 | $175K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 1,834 | $10.2M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 10 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,319 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.