| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $17K | — | $17K | 1.38% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | — | $7K | 0.60% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | EMBLEM HEALTH | $115K | — | $115K | 10.00% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $26K | $231 | $26K | 9.19% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NY 10950 | AFLAC | $3K | — | $3K | 1.10% |
| TAYLOR J COOMBS3 | 1 CRONOMER HTS DRIVE NEWBURGH, NY 12550 | AFLAC | $2K | — | $2K | 0.83% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $1K | $73 | $1K | 0.41% |
| KAITLYN HERWIG3 | 1117 FORT HUNTER ROAD SCHENECTADY, NY 12303 | AFLAC | $912 | — | $912 | 0.32% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $483 | — | $483 | 0.17% |
| MICHELE J ZRELAK3 | 8 MULLER DRIVE NEW CITY, NY 10956 | AFLAC | $247 | — | $247 | 0.09% |
| MICHAEL CAREY3 | 959 S PLANK ROAD SLATE HILL, NY 10973 | AFLAC | $137 | $35 | $172 | 0.06% |
| HEATH GARRET SPICER3 | 2781 NEW PROSPECT ROAD PINE BUSH, NY 12566 | AFLAC | $57 | $114 | $171 | 0.06% |
| MICHAEL G MAEGERLE3 | 3 CHESTNUT RIDGE ROAD POUGHKEEPSIE, NY 12603 | AFLAC | $146 | $5 | $151 | 0.05% |
| TYLER MAEGERLE3 | 209 RANO BLVD APT 1 VESTAL, NY 13850 | AFLAC | $60 | $90 | $150 | 0.05% |
| JAMES E THARP3 | 6 PINE TREE COURT VALLEY COTTAGE, NY 10989 | AFLAC | $135 | — | $135 | 0.05% |
| TOM FREDERICK3 | 32 GREENCREST ROAD GOSHEN, NY 10924 | AFLAC | $73 | $58 | $131 | 0.05% |
| ANGELA GALAS3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $121 | — | $121 | 0.04% |
| JEM DIRECT INC3 | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $118 | — | $118 | 0.04% |
| NOELLE SANTANA IOVINO3 | PO BOX 425 PINE ISLAND, NY 10969 | AFLAC | $112 | — | $112 | 0.04% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $94 | — | $94 | 0.03% |
| NADIA HEDRINGTON KEMP3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $93 | — | $93 | 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% |
| BINA MAMPILLY3 | 11 ALLEGANY AVENUE NYACK, NY 10960 | AFLAC | $88 | — | $88 | 0.03% |
| LIZ CORIO3 | 77 CREST ROAD COLD SPRING, NY 10516 | AFLAC | $87 | — | $87 | 0.03% |
| LAUREN MURRAY3 | 265 OLD RESERVOIR ROAD WALLKILL, NY 12589 | AFLAC | $83 | — | $83 | 0.03% |
| NICOLE M HARPER3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $79 | $3 | $82 | 0.03% |
| LEXI GRACE SIRACUSA3 | PO BOX 729 MIDDLETOWN, NY 10940 | AFLAC | $36 | $26 | $62 | 0.02% |
| R SERAPHIM WOOD3 | 36 COOPER ROAD MONROE, NY 10950 | AFLAC | $59 | — | $59 | 0.02% |
| HARRY Q FLOERSHEIM3 | 6 MOUNTAINVIEW DRIVE TOMKINS COVE, NY 10986 | AFLAC | $57 | — | $57 | 0.02% |
| AMANDA POOLE3 | 30 SOMERSET DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $44 | — | $44 | 0.02% |
| LARRY JAY BLUM3 | 321 ROUTE 59 UNIT 254 TALLMAN, NY 10982 | AFLAC | $43 | — | $43 | 0.02% |
| KASEY MURPHY3 | 312 RIDGE ROAD WESTTOWN, NY 10998 | AFLAC | $43 | — | $43 | 0.02% |
| BRUCE IRA SUGARMAN3 | 7804 GREYBIRCH TERRACE PORT RICHEY, FL 34668 | AFLAC | $42 | — | $42 | 0.01% |
| RUSS HEYMAN3 | 9 QUARRY DRIVE NEW CITY, NY 10956 | AFLAC | $38 | — | $38 | 0.01% |
| WILL BRENNAN3 | 2 CLARK ROAD GOSHEN, NY 10924 | AFLAC | $38 | — | $38 | 0.01% |
| KRISTINA LEE CORINO3 | 39 PUTTERS WAY MIDDLETOWN, NY 10940 | AFLAC | $32 | — | $32 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PLACE WEST LINN, OR 97068 | AFLAC | $30 | — | $30 | 0.01% |
| PETER T. MEYLE3 Filed as: PETER T MEYLE | PO BOX 4152 MIDDLETOWN, NY 10941 | AFLAC | $29 | — | $29 | 0.01% |
| GRACE IENUSO3 | 568 OLD LIBERTY ROAD MONTICELLO, NY 12701 | AFLAC | $28 | — | $28 | 0.01% |
| JUSTINE E CONKLIN3 | 39 ARBOR ROAD CAMPBELL HALL, NY 10916 | AFLAC | $24 | — | $24 | 0.01% |
| MENACHEM LUNGER3 | 200 E ECKERSON ROAD SUITE 230B NEW CITY, NY 10956 | AFLAC | $20 | — | $20 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $9 | — | $9 | 0.00% |
| DEANA BRENNAN3 Filed as: DEANA BRENNAN INC | 176 MAIN STREET GOSHEN, NY 10924 | AFLAC | $4 | — | $4 | 0.00% |
| RANDI E RIVA3 | 340 W PALMETTO PARK ROAD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $4 | — | $4 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLIE MISKE3 | 5 SECOND AVENUE PELHAM, NY 10803 | 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% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $13K | $19K | 9.84% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $3K | $6K | 10.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 1.75% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY SUITE 415 WHITE PLAINS, NY 10601 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $211 | — | $211 | 0.35% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 6.94% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 21.82% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $304 | — | $304 | 14.99% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | DELTA DENTAL OF NEW YORK | $26K | — | $26K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LONG ISLAND EMPLOYEE BENEFITS GROUP EIN 11-2931438 INSURANCE BRO KER | Other commissions Service code 55 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | $386K |
| SPECTERA INC EIN 52-1260282 INSURANCE BROKER | Contract Administrator Service code 13 | ONE PENN PLAZA NEW YORK, NY 10119 | $16K |
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 | 1,650 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 2,188 | $0 |
| Life insurance(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,357 | $113K |
| Short-term disability(4 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,650 | $1.6M |
| Long-term disability(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,386 | $235K |
| Stop-loss / reinsurancereinsurance | EMBLEM HEALTH | 1,726 | $1.1M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 10 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,188 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.