| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | EMBLEM HEALTH | $69K | — | $69K | 3.75% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | — | $7K | 1.43% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $5K | $5K | 1.17% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $23K | $115 | $23K | 8.44% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NY 10950 | AFLAC | $3K | $0 | $3K | 1.29% |
| TAYLOR J COOMBS3 | 1 CRONOMER HTS DRIVE NEWBURGH, NY 12550 | AFLAC | $3K | — | $3K | 0.93% |
| KAITLYN HERWIG3 | 1117 FORT HUNTER ROAD SCHENECTADY, NY 12303 | AFLAC | $1K | — | $1K | 0.38% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $981 | $45 | $1K | 0.38% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $570 | — | $570 | 0.21% |
| BLAIRE PATTERSON3 | 1102 COPPER COURT NEW WINDSOR, NY 12553 | AFLAC | $128 | $80 | $208 | 0.08% |
| JAMES E THARP3 | 6 PINE TREE COURT VALLEY COTTAGE, NY 10989 | AFLAC | $150 | — | $150 | 0.06% |
| JEM DIRECT INC3 | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $138 | — | $138 | 0.05% |
| MICHELE J ZRELAK3 | 8 MULLER DRIVE NEW CITY, NY 10956 | AFLAC | $129 | — | $129 | 0.05% |
| MENACHEM LUNGER3 | 200 E ECKERSON ROAD SUITE 230B NEW CITY, NY 10956 | AFLAC | $124 | — | $124 | 0.05% |
| WILL BRENNAN3 | 2 MURABITO PLACE GOSHEN, NY 10924 | AFLAC | $98 | $24 | $122 | 0.05% |
| HEATH GARRET SPICER3 | 2781 NEW PROSPECT ROAD PINE BUSH, NY 12566 | AFLAC | $111 | — | $111 | 0.04% |
| BINA MAMPILLY3 | 11 ALLEGANY AVENUE NYACK, NY 10960 | AFLAC | $96 | — | $96 | 0.04% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $94 | — | $94 | 0.03% |
| 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% |
| NADIA HEDRINGTON KEMP3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $89 | — | $89 | 0.03% |
| R SERAPHIM WOOD3 | 523 NEW HEMPSTEAD ROAD SPRING VALLEY, NY 10977 | AFLAC | $77 | — | $77 | 0.03% |
| RUSS HEYMAN3 | 9 QUARRY DRIVE NEW CITY, NY 10956 | AFLAC | $53 | — | $53 | 0.02% |
| MICHAEL CAREY3 | 959 S PLANK ROAD SLATE HILL, NY 10973 | AFLAC | $48 | — | $48 | 0.02% |
| LARRY JAY BLUM3 | 321 ROUTE 59 UNIT 254 TALLMAN, NY 10982 | AFLAC | $47 | — | $47 | 0.02% |
| PHILIP VALASTRO3 | 78 HIGH STREET APT 6 CHESTER, NY 10918 | AFLAC | $46 | — | $46 | 0.02% |
| MARKO UDOVICIC3 | PO BOX 1273 WAPPINGERS FALLS, NY 12590 | AFLAC | $40 | $4 | $44 | 0.02% |
| BRUCE IRA SUGARMAN3 | 7804 GREYBIRCH TERRACE PORT RICHEY, FL 34668 | AFLAC | $43 | — | $43 | 0.02% |
| GRACE IENUSO3 | 7 SADDLE LANE APT 2 MONTICELLO, NY 12701 | AFLAC | $33 | — | $33 | 0.01% |
| KASEY MURPHY3 | 178 RIDGEBURY ROAD NEW HAMPTON, NY 10958 | AFLAC | $32 | — | $32 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS ROAD SUITE 320 LAKE OSWEGO, OR 97035 | AFLAC | $30 | — | $30 | 0.01% |
| MICHAEL G MAEGERLE3 | 3 CHESTNUT RIDGE ROAD POUGHKEEPSIE, NY 12603 | AFLAC | $22 | $3 | $25 | 0.01% |
| LEXI GRACE SIRACUSA3 | PO BOX 729 MIDDLETOWN, NY 10940 | AFLAC | $20 | — | $20 | 0.01% |
| NICOLE M HARPER3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $15 | — | $15 | 0.01% |
| LARRY JAY BLUM3 | PO BOX 254 TALLMAN, NY 10982 | AFLAC | $14 | — | $14 | 0.01% |
| DEANA BRENNAN3 Filed as: DEANA BRENNAN INC | 2364 STATE ROUTE 17A GOSHEN, NY 10924 | AFLAC | $11 | $3 | $14 | 0.01% |
| NICOLE M FICHTHORN3 | 40 TAYLOR ROAD HUGUENOT, NY 12746 | AFLAC | $12 | — | $12 | 0.00% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $9 | — | $9 | 0.00% |
| MASSIMO & ASSOCIATES INC3 Filed as: MASSIMO J MURDOCCA JR | 1400 MUSTANG STREET NOKOMIS, FL 34275 | AFLAC | $8 | — | $8 | 0.00% |
| TYLER MAEGERLE3 | 209 RANO BLVD APT 1 VESTAL, NY 13850 | AFLAC | $5 | — | $5 | 0.00% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $4 | — | $4 | 0.00% |
| RANDI E RIVA3 | 340 W PALMETTO PARK ROAD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $4 | — | $4 | 0.00% |
| TOM FREDERICK3 | 32 GREENCREST ROAD GOSHEN, NY 10924 | AFLAC | $3 | — | $3 | 0.00% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $3 | — | $3 | 0.00% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $3 | — | $3 | 0.00% |
| MARLENE MILLER3 | 3810 JERUSALEM AVENUE SEAFORD, NY 11783 | AFLAC | $2 | — | $2 | 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% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.25% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 2.36% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY SUITE 415 WHITE PLAINS, NY 10601 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $642 | — | $642 | 0.92% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY SUITE 415 WHITE PLAINS, NY 10601 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $101 | — | $101 | 0.31% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $45 | — | $45 | 0.14% |
| 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 | 18.46% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | DELTA DENTAL OF NEW YORK | $27K | — | $27K | — |
| 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 | 1,596 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 1,827 | $1.8M |
| Dental | DELTA DENTAL OF NEW YORK | 2,148 | $0 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,057 | $0 |
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,260 | $111K |
| Short-term disability(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,596 | $806K |
| Long-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,260 | $132K |
| Prescription drug | EMBLEM HEALTH | 1,827 | $1.8M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 10 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,148 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.