| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | EMBLEM HEALTH | $344K | — | $344K | 3.75% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | OXFORD HEALTH INSURANCE, INC. | $53K | $0 | $53K | 3.02% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $29K | $551 | $30K | 10.12% |
| KAITLYN HERWIG3 | 1117 FORT HUNTER ROAD SCHENECTADY, NY 12303 | AFLAC | $12K | $2K | $14K | 4.70% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $7K | $473 | $7K | 2.52% |
| TAYLOR J COOMBS3 | 1 CRONOMER HEIGHTS DRIVE NEWBURGH, NY 12550 | AFLAC | $3K | $0 | $3K | 1.14% |
| CHARLES H STRUBE3 | PO BOX 456 TALLMAN, NY 10982 | AFLAC | $489 | $320 | $809 | 0.27% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $521 | $0 | $521 | 0.18% |
| VICTORIA JIMPSON FLUDD3 | 84A FURNACE DOCK ROAD CROTON ON HUDSON, NY 10520 | AFLAC | $193 | $187 | $380 | 0.13% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $267 | $11 | $278 | 0.09% |
| DEBRA HARRIS3 | 18 GLENSIDE DRIVE NEW CITY, NY 10956 | AFLAC | $218 | $26 | $244 | 0.08% |
| JUSTIN MARRIOTT3 | 43 SOUTH PROSPECT STREET VERONA, NJ 07044 | AFLAC | $243 | $0 | $243 | 0.08% |
| JEM DIRECT INC3 | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $172 | $0 | $172 | 0.06% |
| MICHELE J ZRELAK3 | 8 MULLER DRIVE NEW CITY, NY 10956 | AFLAC | $159 | $0 | $159 | 0.05% |
| RICHARD SERAPHIM WOOD3 | 523 NEW HEMPSTEAD ROAD SPRING VALLEY, NY 10977 | AFLAC | $108 | $6 | $114 | 0.04% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | AFLAC | $91 | $0 | $91 | 0.03% |
| GRACE IENUSO3 | 96 MYERS ROAD NEVERSINK, NY 12765 | AFLAC | $89 | $0 | $89 | 0.03% |
| LARRY JAY BLUM3 | PO BOX 254 TALLMAN, NY 10982 | AFLAC | $89 | $0 | $89 | 0.03% |
| RAYMOND P WEIHE3 | PO BOX 33 STONY POINT, NY 10980 | AFLAC | $81 | $6 | $87 | 0.03% |
| RUSS HEYMAN3 | 9 QUARRY DRIVE NEW CITY, NY 10956 | AFLAC | $78 | $0 | $78 | 0.03% |
| HARRY Q FLOERSHEIM3 | 6 MOUNTAINVIEW DRIVE TOMKINS COVE, NY 10986 | AFLAC | $63 | $13 | $76 | 0.03% |
| ERIN ATKINSON3 | 12 PONDVIEW DRIVE AIRMONT, NY 10901 | AFLAC | $59 | $0 | $59 | 0.02% |
| EDWARD ESTUPINAN3 | 516 AVON COURT RIVER VALE, NJ 07675 | AFLAC | $11 | $36 | $47 | 0.02% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $42 | $0 | $42 | 0.01% |
| KAITLYN BYRNES3 | 24 HIGHVIEW DRIVE SALISBURY MILLS, NY 12577 | AFLAC | $30 | $9 | $39 | 0.01% |
| BRUCE IRA SUGARMAN3 | 1 G HERITAGE DRIVE HARRIMAN, NY 10926 | AFLAC | $32 | $0 | $32 | 0.01% |
| BRUCE IRA SUGARMAN3 | 7804 GREYBIRCH TERRACE PORT RICHEY, FL 34668 | AFLAC | $32 | $0 | $32 | 0.01% |
| ADIL MYRZABEKOV3 | 4 HARRIMAN AVENUE SLOATSBURG, NY 10974 | AFLAC | $25 | $0 | $25 | 0.01% |
| JESSICA C WIELINSKI3 | 336 THE PROMENADE EDGEWATER, NJ 07020 | AFLAC | $19 | $0 | $19 | 0.01% |
| KASEY MURPHY3 | 178 RIDGEBURY ROAD NEW HAMPTON, NY 10958 | AFLAC | $17 | $0 | $17 | 0.01% |
| MASSIMO & ASSOCIATES INC3 | 1400 MUSTANG STREET NOKOMIS, FL 34275 | AFLAC | $14 | $0 | $14 | 0.00% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $10 | $0 | $10 | 0.00% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $9 | $0 | $9 | 0.00% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $6 | $0 | $6 | 0.00% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $6 | $0 | $6 | 0.00% |
| MARLENE MILLER3 | 3810 JERUSALEM AVENUE SEAFORD, NY 11783 | AFLAC | $5 | $0 | $5 | 0.00% |
| MASSIMO & ASSOCIATES INC3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $5 | $0 | $5 | 0.00% |
| RANDI E RIVA3 | 340 W PALMETTO PARK ROAD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $4 | $0 | $4 | 0.00% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER LYONS | 15 GLENDALE LANE FAIRFIELD, NJ 07004 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $1 | $0 | $1 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $1 | $0 | $1 | 0.00% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $1 | $0 | $1 | 0.00% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD. | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | SHELTER POINT LIFE INSURANCE COMPANY | $12K | — | $12K | 4.49% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | SHELTER POINT LIFE INSURANCE COMPANY | $8K | — | $8K | 3.03% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.09% |
| 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 | 6.09% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 4.25% |
| 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 | 4.51% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $748 | — | $748 | 2.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | DELTA DENTAL OF NEW YORK, INC. | $28K | — | $28K | — |
| UMR, INC.3 Filed as: UNITEDHEALTHCARE INSURANCE CO. | 9900 BREN ROAD EAST MINNETONKA, MN 55343 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | — |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 Filed as: LONG ISLAND EMPLOYEE BENEITS GROUP | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | UNITEDHEALTHCARE INSURANCE COMPANY | $862 | — | $862 | — |
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 | 1,643 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEM HEALTH | 1,814 | $10.9M |
| Dental | DELTA DENTAL OF NEW YORK, INC. | 2,444 | $0 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,396 | $0 |
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,309 | $120K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 1,643 | $639K |
| Long-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,309 | $239K |
| Prescription drug(2 contracts, 2 carriers) | EMBLEM HEALTH | 1,814 | $10.9M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 10 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,444 | — |
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.