| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | EMBLEM HEALTH | $325K | — | $325K | 3.37% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | EMBLEM HEALTH | $70K | — | $70K | 3.75% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $25K | $582 | $25K | 9.24% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NY 10950 | AFLAC | $4K | $81 | $4K | 1.48% |
| TAYLOR J COOMBS3 | 1 CRONOMER HTS DRIVE NEWBURGH, NY 12550 | AFLAC | $3K | — | $3K | 0.99% |
| MENACHEM LUNGER3 | 200 E ECKERSON ROAD SUITE 230B NEW CITY, NY 10956 | AFLAC | $915 | $1K | $2K | 0.70% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $1K | $283 | $2K | 0.62% |
| KAITLYN HERWIG3 | 1117 FORT HUNTER ROAD SCHENECTADY, NY 12303 | AFLAC | $1K | — | $1K | 0.44% |
| BINA MAMPILLY3 | 11 ALLEGANY AVENUE NYACK, NY 10960 | AFLAC | $720 | $147 | $867 | 0.31% |
| LEE HANS3 | 90 CHAFFEE CIRCLE NORWOOD, NJ 07648 | AFLAC | $137 | $632 | $769 | 0.28% |
| JAMES E THARP3 | 6 PINE TREE COURT VALLEY COTTAGE, NY 10989 | AFLAC | $453 | $72 | $525 | 0.19% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $503 | $13 | $516 | 0.19% |
| GARY M DEVONPORT3 | 235 PINE STREET HAWORTH, NJ 07641 | AFLAC | $94 | $232 | $326 | 0.12% |
| JEM DIRECT INC3 | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $143 | — | $143 | 0.05% |
| MICHELE J ZRELAK3 | 8 MULLER DRIVE NEW CITY, NY 10956 | AFLAC | $133 | — | $133 | 0.05% |
| MARKO UDOVICIC3 | PO BOX 1273 WAPPINGERS FALLS, NY 12590 | AFLAC | $119 | — | $119 | 0.04% |
| KASEY MURPHY3 | 178 RIDGEBURY ROAD NEW HAMPTON, NY 10958 | AFLAC | $111 | — | $111 | 0.04% |
| NICOLE M FICHTHORN3 | 40 TAYLOR ROAD HUGUENOT, NY 12746 | AFLAC | $87 | $21 | $108 | 0.04% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $107 | — | $107 | 0.04% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | AFLAC | $91 | — | $91 | 0.03% |
| LARRY JAY BLUM3 | PO BOX 254 TALLMAN, NY 10982 | AFLAC | $88 | — | $88 | 0.03% |
| R SERAPHIM WOOD3 | 523 NEW HEMPSTEAD ROAD SPRING VALLEY, NY 10977 | AFLAC | $85 | — | $85 | 0.03% |
| WILL BRENNAN3 | 2 MURABITO PLACE GOSHEN, NY 10924 | AFLAC | $79 | — | $79 | 0.03% |
| RUSS HEYMAN3 | 9 QUARRY DRIVE NEW CITY, NY 10956 | AFLAC | $76 | — | $76 | 0.03% |
| BRUCE IRA SUGARMAN3 | 7804 GREYBIRCH TERRACE PORT RICHEY, FL 34668 | AFLAC | $51 | — | $51 | 0.02% |
| BLAIRE PATTERSON3 | 1102 COPPER COURT NEW WINDSOR, NY 12553 | AFLAC | $43 | — | $43 | 0.02% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS ROAD SUITE 320 LAKE OSWEGO, OR 97035 | AFLAC | $31 | — | $31 | 0.01% |
| MICHAEL G MAEGERLE3 | 3 CHESTNUT RIDGE ROAD POUGHKEEPSIE, NY 12603 | AFLAC | $27 | — | $27 | 0.01% |
| MASSIMO & ASSOCIATES INC3 Filed as: MASSIMO J MURDOCCA JR | 1400 MUSTANG STREET NOKOMIS, FL 34275 | AFLAC | $19 | — | $19 | 0.01% |
| DEBRA HARRIS3 | 18 GLENSIDE DRIVE NEW CITY, NY 10956 | AFLAC | $11 | — | $11 | 0.00% |
| ALBERTO KARAM3 | 15 BELL LANE TAPPAN, NY 10983 | AFLAC | $10 | — | $10 | 0.00% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $10 | — | $10 | 0.00% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $9 | — | $9 | 0.00% |
| DEANA BRENNAN3 Filed as: DEANA BRENNAN INC | 2364 STATE ROUTE 17A GOSHEN, NY 10924 | AFLAC | $9 | — | $9 | 0.00% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $6 | — | $6 | 0.00% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $6 | — | $6 | 0.00% |
| MARLENE MILLER3 | 3810 JERUSALEM AVENUE SEAFORD, NY 11783 | AFLAC | $4 | — | $4 | 0.00% |
| RANDI E RIVA3 | 340 W PALMETTO PARK ROAD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $4 | — | $4 | 0.00% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $1 | — | $1 | 0.00% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.00% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $1 | — | $1 | 0.00% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $7K | $7K | 3.29% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 2.11% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.14% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 2.98% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY SUITE 415 WHITE PLAINS, NY 10601 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 2.30% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY SUITE 415 WHITE PLAINS, NY 10601 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $217 | — | $217 | 0.64% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $96 | — | $96 | 0.28% |
| 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 | $28K | — | $28K | — |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | UNITEDHEALTHCARE INSURANCE COMPANY | $860 | — | $860 | — |
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 | 1,603 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EMBLEM HEALTH | 1,857 | $11.5M |
| Dental | DELTA DENTAL OF NEW YORK | 2,273 | $0 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,108 | $0 |
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,308 | $115K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 1,603 | $575K |
| Long-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,308 | $200K |
| Prescription drug(2 contracts) | EMBLEM HEALTH | 1,857 | $11.5M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 10 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,273 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.