| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | EMBLEM HEALTH | $409K | $0 | $409K | 3.75% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $30K | $757 | $31K | 10.02% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $5K | $139 | $5K | 1.51% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $4K | $260 | $4K | 1.28% |
| TAYLOR J COOMBS3 | 1 CRONOMER HEIGHTS DRIVE NEWBURGH, NY 12550 | AFLAC | $3K | $0 | $3K | 0.95% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NY 10950 | AFLAC | $2K | $139 | $2K | 0.70% |
| KAITLYN HERWIG3 | 1117 FORT HUNTER ROAD SCHENECTADY, NY 12303 | AFLAC | $2K | $321 | $2K | 0.59% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $1K | $0 | $1K | 0.35% |
| MENACHEM LUNGER3 | 200 E ECKERSON ROAD SUITE 230B NEW CITY, NY 10956 | AFLAC | $883 | $130 | $1K | 0.33% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $772 | $64 | $836 | 0.27% |
| BINA MAMPILLY3 | 11 ALLEGANY AVENUE NYACK, NY 10960 | AFLAC | $734 | $0 | $734 | 0.24% |
| GARY M DEVONPORT3 | 235 PINE STREET HAWORTH, NJ 07641 | AFLAC | $420 | $0 | $420 | 0.13% |
| JAMES E THARP3 | 6 PINE TREE CT VALLEY COTTAGE, NY 10989 | AFLAC | $405 | $0 | $405 | 0.13% |
| KASEY MURPHY3 | 178 RIDGEBURY ROAD NEW HAMPTON, NY 10958 | AFLAC | $233 | $0 | $233 | 0.07% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $170 | $13 | $183 | 0.06% |
| JEM DIRECT INC3 | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $165 | $0 | $165 | 0.05% |
| NICOLE FICHTHORN3 | 1107 WHISPERING HILLS CHESTER, NY 10918 | AFLAC | $161 | $0 | $161 | 0.05% |
| MICHELE J ZRELAK3 | 8 MULLER DRIVE NEW CITY, NY 10956 | AFLAC | $154 | $0 | $154 | 0.05% |
| NICOLE M FICHTHORN3 | 1107 WHISPERING HILLS CHESTER, NY 10918 | AFLAC | $97 | $0 | $97 | 0.03% |
| 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% |
| LARRY JAY BLUM3 | PO BOX 254 TALLMAN, NY 10982 | AFLAC | $89 | $0 | $89 | 0.03% |
| MICHAEL SABONJIAN3 | 10 PAWN PLACE HILLSDALE, NJ 07642 | AFLAC | $88 | $0 | $88 | 0.03% |
| RAYMOND P WEIHE3 | PO BOX 33 STONY POINT, NY 10980 | AFLAC | $85 | $3 | $88 | 0.03% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER LYONS | 15 GLENDALE LANE FAIRFIELD, NJ 07004 | AFLAC | $79 | $0 | $79 | 0.03% |
| RUSS HEYMAN3 | 9 QUARRY DRIVE NEW CITY, NY 10956 | AFLAC | $77 | $0 | $77 | 0.02% |
| NICOLE M FICHTHORN3 | 40 TAYLOR ROAD HUGUENOT, NY 12746 | AFLAC | $64 | $0 | $64 | 0.02% |
| RICHARD SERAPHIM WOOD3 | 523 NEW HEMPSTEAD ROAD SPRING VALLEY, NY 10977 | AFLAC | $62 | $0 | $62 | 0.02% |
| DEBRA HARRIS3 | 18 GLENSIDE DRIVE NEW CITY, NY 10956 | AFLAC | $20 | $39 | $59 | 0.02% |
| ADIL MYRZABEKOV3 | 4 HARRIMAN AVENUE SLOATSBURG, NY 10974 | AFLAC | $53 | $0 | $53 | 0.02% |
| BRUCE IRA SUGARMAN3 | 7804 GREYBIRCH TERRACE PORT RICHEY, FL 34668 | AFLAC | $51 | $0 | $51 | 0.02% |
| ALBERTO KARAM3 | 15 BELL LANE TAPPAN, NY 10983 | AFLAC | $51 | $0 | $51 | 0.02% |
| HARRY Q FLOERSHEIM3 | 6 MOUNTAINVIEW DRIVE TOMKINS COVE, NY 10986 | AFLAC | $41 | $0 | $41 | 0.01% |
| LEE HANS3 | 90 CHAFFEE CIRCLE NORWOOD, NJ 07648 | AFLAC | $35 | $0 | $35 | 0.01% |
| GRACE IENUSO3 | 96 MYERS ROAD NEVERSINK, NY 12765 | AFLAC | $22 | $0 | $22 | 0.01% |
| R SERAPHIM WOOD3 | 523 NEW HEMPSTEAD ROAD SPRING VALLEY, NY 10977 | AFLAC | $21 | $0 | $21 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $21 | $0 | $21 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS ROAD SUITE 320 LAKE OSWEGO, OR 97035 | AFLAC | $14 | $0 | $14 | 0.00% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $13 | $0 | $13 | 0.00% |
| MASSIMO & ASSOCIATES INC3 Filed as: MASSIMO J MURDOCCA JR | 235 W PARK AVENUE APT 105 LONG BEACH, NY 11561 | AFLAC | $11 | $0 | $11 | 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% |
| MASSIMO & ASSOCIATES INC3 | 1400 MUSTANG STREET NOKOMIS, FL 34275 | AFLAC | $8 | $0 | $8 | 0.00% |
| GRACE IENUSO3 | 7 SADDLE LANE APT 2 MONTICELLO, NY 12701 | AFLAC | $7 | $0 | $7 | 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% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $5 | $0 | $5 | 0.00% |
| MARLENE MILLER3 | 3810 JERUSALEM AVENUE SEAFORD, NY 11783 | AFLAC | $4 | $0 | $4 | 0.00% |
| RANDI E RIVA3 | 340 W PALMETTO PARK ROAD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $4 | $0 | $4 | 0.00% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $1 | $0 | $1 | 0.00% |
| GIULIO A PADOVANI3 | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | 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% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | 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 | $13K | $0 | $13K | 4.42% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | SHELTER POINT LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.89% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | EMBLEM HEALTH | $9K | $0 | $9K | 3.75% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $0 | $24K | 10.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.10% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY SUITE 415 WHITE PLAINS, NY 10601 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 5.37% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 4.07% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY SUITE 415 WHITE PLAINS, NY 10601 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $1K | $0 | $1K | 3.38% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $485 | $0 | $485 | 1.35% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | EMBLEM HEALTH | $1K | $0 | $1K | 3.75% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST UNUM LIFE INSURANCE COMPANY | $953 | $0 | $953 | 20.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | EMBLEM HEALTH | $130 | $0 | $130 | 3.74% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | DELTA DENTAL OF NEW YORK, INC. | $29K | $0 | $29K | — |
| ASSUREDPARTNERS3 Filed as: LONG ISLAND EMPLOYEE BENFITS GROUP | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | UNITEDHEALTHCARE INSURANCE COMPANY | $876 | $0 | $876 | — |
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. |
| Total participants (= "Plan participants" tile) | 1,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | EMBLEM HEALTH | 895 | $11.2M |
| Dental | DELTA DENTAL OF NEW YORK, INC. | 1,179 | $0 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,165 | $0 |
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,300 | $118K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 1,643 | $675K |
| Long-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,300 | $244K |
| Prescription drug(4 contracts) | EMBLEM HEALTH | 895 | $11.2M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 10 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,643 | — |
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.