| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 Filed as: LONG ISLAND EMPLOYEE BENEFITS | 50 STEWART AVE SUITE 2 HUNTINGTON, NY 11743 | EMBLEM HEALTH | $109K | $0 | $109K | 10.00% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $27K | $319 | $28K | 9.42% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $3K | $0 | $3K | 0.98% |
| TAYLOR J COMBS3 | 1 CRONOMER HTS DR NEWBURGH, NY 12550 | AFLAC | $2K | $0 | $2K | 0.75% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $1K | $86 | $1K | 0.42% |
| MICHELE J ZRELAK3 | 8 MULLER DR NEW CITY, NY 10956 | AFLAC | $922 | $30 | $952 | 0.32% |
| LIZ CORIO3 | 77 CREST RD COLD SPRING, NY 10516 | AFLAC | $571 | $231 | $802 | 0.27% |
| ANGELA GALAS3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $363 | $113 | $476 | 0.16% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $443 | $0 | $443 | 0.15% |
| MICHAEL CAREY3 | 959 S PLANK RD SLATE HILL, NY 10973 | AFLAC | $425 | $7 | $432 | 0.15% |
| BRIGITTE RUNNALLS3 | 498 KIRBYTOWN RD MIDDLETOWN, NY 10940 | AFLAC | $361 | $0 | $361 | 0.12% |
| NICOLE M HARPER3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $250 | $19 | $269 | 0.09% |
| JUSTINE E CONKLIN3 | 39 ARBOR RD CAMPBELL HALL, NY 10916 | AFLAC | $260 | $5 | $265 | 0.09% |
| MICHAEL G MAEGERLE3 | 3 CHESTNUT RIDGE RD POUGHKEEPSIE, NY 12603 | AFLAC | $188 | $60 | $248 | 0.08% |
| WAYNE P DABBS3 | 307 DECATUR AVE PEEKSKILL, NY 10566 | AFLAC | $245 | $0 | $245 | 0.08% |
| CAITLIN OEHL3 | 41 ROCK HILL RD PUTNAM VALLEY, NY 10579 | AFLAC | $232 | $0 | $232 | 0.08% |
| NOELLE SANTANA IOVINO3 | PO BOX 425 PINE ISLAND, NY 10969 | AFLAC | $160 | $28 | $188 | 0.06% |
| R SERAPHIM WOOD3 Filed as: R. SERAPHIM WOOD | 36 COOPER RD MONROE, NY 10950 | AFLAC | $173 | $0 | $173 | 0.06% |
| KAITLYN HERWIG3 | 1117 FORT HUNTER RD SCHENECTADY, NY 12303 | AFLAC | $146 | $0 | $146 | 0.05% |
| JENNIFER LINGLE3 | 80 HOMESTEAD VILLAGE DR WARWICK, NY 10990 | AFLAC | $130 | $0 | $130 | 0.04% |
| LINDSAY S. LOFORTE3 | 48 WEST ST WAPPINGERS FALLS, NY 12590 | AFLAC | $125 | $0 | $125 | 0.04% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $119 | $0 | $119 | 0.04% |
| JEM DIRECT INC3 Filed as: JEM DIRECT INC. | 1 BLUE HILL PLZ STE 1535 PEARL RIVER, NY 10965 | AFLAC | $117 | $0 | $117 | 0.04% |
| ALYSSA MARIE CENTENO3 | 774 STATE ROUTE 211 MONTGOMERY, NY 12549 | AFLAC | $116 | $0 | $116 | 0.04% |
| LAUREN MURRAY3 | 265 OLD RESERVOIR RD WALLKILL, NY 12589 | AFLAC | $82 | $22 | $104 | 0.04% |
| JAMES E THARP3 Filed as: JAMES E. THARP | 6 PINE TREE CT VALLEY COTTAGE, NY 10989 | AFLAC | $96 | $0 | $96 | 0.03% |
| HARRY Q FLOERSHEIM3 Filed as: HARRY Q. FLOERSHEIM | 6 MOUNTAINVIEW DR TOMKINS COVE, FL 10986 | AFLAC | $95 | $0 | $95 | 0.03% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC. | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | AFLAC | $91 | $0 | $91 | 0.03% |
| BINA MAMPILLY3 | 11 ALLEGANY AVE NYACK, NY 10960 | AFLAC | $77 | $0 | $77 | 0.03% |
| AMANDA POOLE3 | 30 SOMERSET DR WASHINGTONVILLE, OR 10992 | AFLAC | $50 | $5 | $55 | 0.02% |
| KASEY MURPHY3 | 312 RIDGE RD WESTTOWN, NY 10998 | AFLAC | $52 | $0 | $52 | 0.02% |
| TOM FREDERICK3 | 32 GREENCREST RD GOSHEN, NY 10924 | AFLAC | $24 | $24 | $48 | 0.02% |
| LAUREY K. GOLDBERG3 | 219 AVERY RD GARRISON, NY 10524 | AFLAC | $44 | $0 | $44 | 0.01% |
| LARRY JAY BLUM3 | 321 ROUTE 59 UNIT 254 TALLMAN, NY 10982 | AFLAC | $43 | $0 | $43 | 0.01% |
| KRISTINA LEE CORINO3 | 39 PUTTERS WAY MIDDLETOWN, NY 10940 | AFLAC | $42 | $0 | $42 | 0.01% |
| BRUCE IRA SUGARMAN3 | 7804 GREYBIRCH TER PORT RICHEY, FL 34668 | AFLAC | $39 | $0 | $39 | 0.01% |
| RUSS HEYMAN3 | 9 QUARRY DR NEW CITY, NY 10956 | AFLAC | $38 | $0 | $38 | 0.01% |
| WILL BRENNAN3 | 2 CLARK RD GOSHEN, NY 10924 | AFLAC | $38 | $0 | $38 | 0.01% |
| PETER T. MEYLE3 | 95 PANTELOP RD BLOOMINGBURG, NY 12721 | AFLAC | $32 | $0 | $32 | 0.01% |
| DION BEAMON3 | 2710 SOUTH RD UNIT H11 POUGHKEEPSIE, RI 12601 | AFLAC | $31 | $0 | $31 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PL WEST LINN, OR 97068 | AFLAC | $30 | $0 | $30 | 0.01% |
| GRACE IENUSO3 | 568 OLD LIBERTY RD MONTICELLO, NY 12701 | AFLAC | $28 | $0 | $28 | 0.01% |
| LAILA POWELL3 | 47 PLEASANT AVE WALDEN, NY 12586 | AFLAC | $28 | $0 | $28 | 0.01% |
| ELIAS ABEID3 | 55 BREWER RD UNIT 1 NEWBURGH, NY 12550 | AFLAC | $27 | $0 | $27 | 0.01% |
| DEVIN HILDREW3 | 5 MINERVA LN MAHOPAC, NY 10541 | AFLAC | $23 | $0 | $23 | 0.01% |
| LEXI GRACE SIRACUSA3 | PO BOX 729 MIDDLETOWN, NY 10940 | AFLAC | $11 | $11 | $22 | 0.01% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $9 | $0 | $9 | 0.00% |
| DEANA BRENNAN3 Filed as: DEANA BRENNAN INC | 176 MAIN ST GOSHEN, NY 10924 | AFLAC | $4 | $0 | $4 | 0.00% |
| STEVEN GRINDER3 | 118 GLADSTONE AVE WALDEN, NY 12586 | AFLAC | $3 | $0 | $3 | 0.00% |
| RANDI E RIVA3 Filed as: RANDI E. RIVA | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $3 | $0 | $3 | 0.00% |
| CHARLIE MISKE3 | 5 SECOND AVE PELHAM, NY 10803 | AFLAC | $3 | $0 | $3 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $1 | $0 | $1 | 0.00% |
| LAURIE L SMITH3 Filed as: LAURIE L. SMITH | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $1 | $0 | $1 | 0.00% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $1 | $0 | $1 | 0.00% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $1 | $0 | $1 | 0.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 50 STEWART AVENUE SUITE 2 HUNTINGTON, NY 11743 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $23K | $28K | 12.98% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 Filed as: LONG ISLAND EMPLOYEE BNFTS GRP LTD | 50 STEWART DR STE 2 HUNTINGTON, NY 11743 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $5K | $8K | 8.83% |
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 | 1,328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 1,781 | $1.1M |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,415 | $93K |
| Short-term disability | AFLAC | 275 | $294K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,307 | $219K |
| Stop-loss / reinsurancereinsurance | EMBLEM HEALTH | 1,781 | $1.1M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,415 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,781 | — |
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.