| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $37K | $534 | $37K | 11.38% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $3K | $0 | $3K | 0.81% |
| MICHELE J ZRELAK3 | 8 MULLER DR NEW CITY, NY 10956 | AFLAC | $2K | $37 | $2K | 0.63% |
| TAYLOR J COMBS3 | P.O. BOX 502 MARLBORO, NY 12542 | AFLAC | $2K | $0 | $2K | 0.60% |
| JENNIFER LINGLE3 | 80 HOMESTEAD VILLAGE DR WARWICK, NY 10990 | AFLAC | $1K | $90 | $1K | 0.36% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $1K | $2 | $1K | 0.31% |
| LIZ CORIO3 | 77 CREST RD COLD SPRING, NY 10516 | AFLAC | $548 | $38 | $586 | 0.18% |
| MICHAEL CAREY3 | 307 GARDNERVILLE RD NEW HAMPTON, NY 10958 | AFLAC | $390 | $0 | $390 | 0.12% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $385 | $0 | $385 | 0.12% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $349 | $15 | $364 | 0.11% |
| NICHOLAS V CACACE3 | 8 DRUM CT POUGHKEEPSIE, NY 12603 | AFLAC | $251 | $0 | $251 | 0.08% |
| KRYSTA ANDREINI3 | 7 CROSS CREEK ROAD APT 2 COLD SPRING, NY 10516 | AFLAC | $202 | $0 | $202 | 0.06% |
| HUGO D GRAJEDA3 | 25 WHITETAIL RUN CHESTER, NY 10918 | AFLAC | $165 | $0 | $165 | 0.05% |
| R SERAPHIM WOOD3 Filed as: R. SERAPHIM WOOD | 36 COOPER RD MONROE, NY 10950 | AFLAC | $146 | $17 | $163 | 0.05% |
| CARLOS WARNER3 | 3044 71ST STREET EAST ELMHURST, NY 11370 | AFLAC | $146 | $0 | $146 | 0.04% |
| JADE SIGNOR3 | 86 SCOTT DR WAPPINGERS FALLS, NY 12590 | AFLAC | $146 | $0 | $146 | 0.04% |
| INA CAREY3 | 307 GARDNERVILLE RD NEW HAMPTON, NY 10958 | AFLAC | $130 | $0 | $130 | 0.04% |
| MICHAEL EUGENE SWEETING3 | 19 QUARRY DRIVE WAPPINGERS FALLS, NY 12590 | AFLAC | $123 | $0 | $123 | 0.04% |
| MICHAEL G MAEGERLE3 | 3 CHESTNUT RIDGE RD POUGHKEEPSIE, NY 12603 | AFLAC | $120 | $1 | $121 | 0.04% |
| VALERIE CAUVIN3 | P.O. BOX 488 SOUTH FALLSBURG, NC 12779 | AFLAC | $119 | $0 | $119 | 0.04% |
| CYNTHIA FLOOD3 | 10 LAKE STREET MONROE, NY 10950 | 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 | $111 | $0 | $111 | 0.03% |
| ARACELIE RIVERA3 | 8 KNOLLTOP RD ELMSFORD, NY 10523 | AFLAC | $102 | $0 | $102 | 0.03% |
| HARRY Q FLOERSHEIM3 Filed as: HARRY Q. FLOERSHEIM | 6 MOUNTAINVIEW DR TOMKINS COVE, FL 10986 | AFLAC | $97 | $0 | $97 | 0.03% |
| DEANA BRENNAN3 Filed as: DEANA BRENNAN INC | 176 MAIN ST GOSHEN, NY 10924 | 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% |
| BRIGITTE RUNNALLS3 | 498 KIRBYTOWN RD MIDDLETOWN, NY 10940 | AFLAC | $58 | $30 | $88 | 0.03% |
| NICOLE M HARPER3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $88 | $0 | $88 | 0.03% |
| CHRISTINE HERSKA3 | 57 MADISON AVE GARNERVILLE, NY 10923 | AFLAC | $82 | $0 | $82 | 0.03% |
| MICHELE A BOSCO3 | 8 ROBIN STREET PEARL RIVER, NY 10965 | AFLAC | $70 | $0 | $70 | 0.02% |
| DANIEL SCHIRLING3 | 403 TOWN HILL ROAD NANUET, NY 10954 | AFLAC | $67 | $0 | $67 | 0.02% |
| RUSS HEYMAN3 | 9 QUARRY DR NEW CITY, NY 10956 | AFLAC | $56 | $0 | $56 | 0.02% |
| JMA CONSULTING INC.3 Filed as: JMA CONSULTING SERVICES CORP | 2 ADRIAN AVE APT 24C BRONX, NY 10463 | AFLAC | $55 | $0 | $55 | 0.02% |
| KASEY MURPHY3 | 312 RIDGE RD WESTTOWN, NY 10998 | AFLAC | $52 | $0 | $52 | 0.02% |
| DEVIN HILDREW3 | 5 MINERVA LN MAHOPAC, NY 10541 | AFLAC | $45 | $3 | $48 | 0.01% |
| JAMES E THARP3 Filed as: JAMES E. THARP | 6 PINE TREE CT VALLEY COTTAGE, NY 10989 | AFLAC | $46 | $0 | $46 | 0.01% |
| LARRY JAY BLUM3 | 321 ROUTE 59 UNIT 254 TALLMAN, NY 10982 | AFLAC | $43 | $0 | $43 | 0.01% |
| BINA MAMPILLY3 | 11 ALLEGANY AVE NYACK, NY 10960 | AFLAC | $42 | $0 | $42 | 0.01% |
| MERCEDES HAYDEN3 | 129 FOX CROFT VLG LOCH SHELDRAKE, NY 12759 | AFLAC | $38 | $0 | $38 | 0.01% |
| BRUCE IRA SUGARMAN3 | 7804 GREYBIRCH TER PORT RICHEY, FL 34668 | AFLAC | $37 | $0 | $37 | 0.01% |
| LINDSAY S. LOFORTE3 | 48 WEST ST WAPPINGERS FALLS, NY 12590 | AFLAC | $10 | $24 | $34 | 0.01% |
| PETER T. MEYLE3 | 95 PANTELOP RD BLOOMINGBURG, NY 12721 | AFLAC | $32 | $0 | $32 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PL WEST LINN, OR 97068 | AFLAC | $29 | $0 | $29 | 0.01% |
| GRACE IENUSO3 | 568 OLD LIBERTY RD MONTICELLO, NY 12701 | AFLAC | $28 | $0 | $28 | 0.01% |
| ALYSSA MARIE CENTENO3 | 774 STATE ROUTE 211 MONTGOMERY, NY 12549 | AFLAC | $18 | $0 | $18 | 0.01% |
| TOM FREDERICK3 | 32 GREENCREST RD GOSHEN, NY 10924 | AFLAC | $16 | $0 | $16 | 0.00% |
| BERNADETTE MARY-CAT MORRIS3 | 105 SEATON CT BUSHKILL, PA 18324 | AFLAC | $16 | $0 | $16 | 0.00% |
| JOEY CABIN3 | 132 3RD STREET NEWBURGH, NY 12550 | AFLAC | $14 | $0 | $14 | 0.00% |
| LEXI GRACE SIRACUSA3 | PO BOX 729 MIDDLETOWN, NY 10940 | AFLAC | $13 | $0 | $13 | 0.00% |
| NICOLE MORALES3 | 7416 91ST AVE APT 1 WOODHAVEN, NY 11421 | AFLAC | $13 | $0 | $13 | 0.00% |
| VICTOR COZZETTO3 | 80 EGBERTSON ROAD CAMPBELL HALL, NY 10916 | AFLAC | $13 | $0 | $13 | 0.00% |
| ROMANIEL LOUIS3 | 112 UNION ROAD SPRING VALLEY, NY 10977 | AFLAC | $12 | $0 | $12 | 0.00% |
| ETHAN LOYOLA3 | 18 KIMBERLY DRIVE CAMPBELL HALL, NY 10916 | AFLAC | $11 | $0 | $11 | 0.00% |
| LAILA POWELL3 | 47 PLEASANT AVE WALDEN, NY 12586 | AFLAC | $10 | $0 | $10 | 0.00% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $9 | $0 | $9 | 0.00% |
| WILL BRENNAN3 | 2 CLARK RD GOSHEN, NY 10924 | AFLAC | $4 | $0 | $4 | 0.00% |
| PREIS MIKE INC3 | P.O. BOX 682 JEFFERSONVILLE, NY 12748 | AFLAC | $3 | $0 | $3 | 0.00% |
| MAXINE ROBINSON-MURRAY3 | 1 SOUTHGATE ROAD APT 22 MIDDLETOWN, NC 10940 | 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 | $2 | $0 | $2 | 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% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | 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 | $716 | $6K | $6K | 2.70% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $0 | $5K | 2.28% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 Filed as: LONG ISLAND EMPLOYEE BENEFITS | 50 STEWART AVE SUITE 2 HUNTINGTON, NY 11743 | EMBLEM HEALTH | $16K | $0 | $16K | 10.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 2.77% |
| 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 | $494 | $2K | $3K | 2.07% |
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 | 1,351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 1,762 | $162K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,351 | $122K |
| Short-term disability | AFLAC | 302 | $326K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,374 | $231K |
| Stop-loss / reinsurancereinsurance | EMBLEM HEALTH | 1,762 | $162K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,351 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,762 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.