| 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 | $42K | $1K | $43K | 12.15% |
| MICHELE J ZRELAK3 | 8 MULLER DR NEW CITY, NY 10956 | AFLAC | $3K | $193 | $3K | 0.88% |
| JASON HARTMAN3 | 3136 STATE ROUTE 207 CAMPBELL HALL, NY 10916 | AFLAC | $3K | $0 | $3K | 0.72% |
| TAYLOR J COMBS3 | P.O. BOX 502 MARLBORO, NY 12542 | AFLAC | $2K | $0 | $2K | 0.52% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $1K | $32 | $1K | 0.40% |
| MICHAEL CAREY3 | 307 GARDNERVILLE RD NEW HAMPTON, NY 10958 | AFLAC | $1K | $17 | $1K | 0.32% |
| JENNIFER LINGLE3 | 9 WISNER ROAD WARWICK, NY 10990 | AFLAC | $950 | $115 | $1K | 0.30% |
| DANIEL SCHIRLING3 | 403 TOWN HILL ROAD NANUET, NY 10954 | AFLAC | $669 | $0 | $669 | 0.19% |
| NICOLE M HARPER3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $554 | $0 | $554 | 0.16% |
| CARA SOSNOWSKI3 | 63 PIKE STREET PORT JERVIS, NY 12771 | AFLAC | $437 | $0 | $437 | 0.12% |
| BINA MAMPILLY3 | 11 ALLEGANY AVE NYACK, NY 10960 | AFLAC | $399 | $0 | $399 | 0.11% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $392 | $0 | $392 | 0.11% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $376 | $14 | $390 | 0.11% |
| LIZ CORIO3 | 77 CREST RD COLD SPRING, NY 10516 | AFLAC | $254 | $0 | $254 | 0.07% |
| DEANA BRENNAN3 Filed as: DEANA BRENNAN INC | 176 MAIN ST GOSHEN, NY 10924 | AFLAC | $105 | $128 | $233 | 0.07% |
| R. SERAPHIM WOOD3 | 36 COOPER RD MONROE, NY 10950 | AFLAC | $159 | $62 | $221 | 0.06% |
| MICHELE A BOSCO3 | 8 ROBIN STREET PEARL RIVER, NY 10965 | AFLAC | $100 | $106 | $206 | 0.06% |
| MICHAEL G MAEGERLE3 | 3 CHESTNUT RIDGE RD POUGHKEEPSIE, NY 12603 | AFLAC | $114 | $0 | $114 | 0.03% |
| JEM DIRECT INC3 Filed as: JEM DIRECT INC. | 1 BLUE HILL PLZ STE 1535 PEARL RIVER, NY 10965 | AFLAC | $112 | $0 | $112 | 0.03% |
| NICHOLAS V CACACE3 | 8 DRUM CT POUGHKEEPSIE, NY 12603 | AFLAC | $104 | $0 | $104 | 0.03% |
| ARACELIE RIVERA3 | 8 KNOLLTOP RD ELMSFORD, NY 10523 | AFLAC | $91 | $9 | $100 | 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% |
| HARRY Q. FLOERSHEIM3 | 6 MOUNTAINVIEW DR TOMKINS COVE, FL 10986 | AFLAC | $81 | $0 | $81 | 0.02% |
| HUGO D GRAJEDA3 | 3525 BRYANTCOLE WAY GASTONIA, NC 28056 | AFLAC | $71 | $9 | $80 | 0.02% |
| INA CAREY3 | 307 GARDNERVILLE RD NEW HAMPTON, NY 10958 | AFLAC | $64 | $11 | $75 | 0.02% |
| CARLOS WARNER3 | 3044 71ST STREET EAST ELMHURST, NY 11370 | AFLAC | $67 | $5 | $72 | 0.02% |
| KRYSTA ANDREINI3 | 7 CROSS CREEK ROAD APT 2 COLD SPRING, NY 10516 | AFLAC | $63 | $8 | $71 | 0.02% |
| CYNTHIA FLOOD3 | 225 DOLSON AVE SUITE 304 MIDDLETON, NY 10940 | AFLAC | $59 | $10 | $69 | 0.02% |
| JADE SIGNOR3 | 86 SCOTT DR WAPPINGERS FALLS, NY 12590 | AFLAC | $61 | $0 | $61 | 0.02% |
| MICHAEL EUGENE SWEETING3 | 19 QUARRY DRIVE WAPPINGERS FALLS, NY 12590 | AFLAC | $51 | $3 | $54 | 0.02% |
| VALERIE CAUVIN3 | P.O. BOX 488 SOUTH FALLSBURG, NC 12779 | AFLAC | $50 | $4 | $54 | 0.02% |
| JMA CONSULTING INC.3 Filed as: JMA CONSULTING SERVICES CORP | 2 ADRIAN AVE APT 24C BRONX, NY 10463 | AFLAC | $53 | $0 | $53 | 0.01% |
| KASEY MURPHY3 | 312 RIDGE RD WESTTOWN, NY 10998 | AFLAC | $52 | $0 | $52 | 0.01% |
| RUSS HEYMAN3 | 9 QUARRY DR NEW CITY, NY 10956 | AFLAC | $49 | $0 | $49 | 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 | $37 | $0 | $37 | 0.01% |
| BRUCE IRA SUGARMAN3 | 7804 GREYBIRCH TER PORT RICHEY, FL 34668 | AFLAC | $36 | $0 | $36 | 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 | $28 | $0 | $28 | 0.01% |
| JOEY CABIN3 | 132 3RD STREET NEWBURGH, NY 12550 | AFLAC | $28 | $0 | $28 | 0.01% |
| GRACE IENUSO3 | 568 OLD LIBERTY RD MONTICELLO, NY 12701 | AFLAC | $23 | $0 | $23 | 0.01% |
| ALYSSA MARIE CENTENO3 | 774 STATE ROUTE 211 MONTGOMERY, NY 12549 | AFLAC | $10 | $9 | $19 | 0.01% |
| VICTOR COZZETTO3 | 80 EGBERTSON ROAD CAMPBELL HALL, NY 10916 | AFLAC | $8 | $11 | $19 | 0.01% |
| LEXI GRACE SIRACUSA3 | PO BOX 729 MIDDLETOWN, NY 10940 | AFLAC | $11 | $2 | $13 | 0.00% |
| MAXINE ROBINSON-MURRAY3 | 200 TOWER RIDGE CIR APT 221 MIDDLETOWN, NC 10940 | AFLAC | $1 | $9 | $10 | 0.00% |
| DEVIN HILDREW3 | 5 MINERVA LN MAHOPAC, NY 10541 | AFLAC | $9 | $0 | $9 | 0.00% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $9 | $0 | $9 | 0.00% |
| PREIS MIKE INC3 | P.O. BOX 682 JEFFERSONVILLE, NY 12748 | AFLAC | $8 | $0 | $8 | 0.00% |
| LINDSAY S. LOFORTE3 | 48 WEST ST WAPPINGERS FALLS, NY 12590 | AFLAC | $7 | $0 | $7 | 0.00% |
| TOM FREDERICK3 | 32 GREENCREST RD GOSHEN, NY 10924 | AFLAC | $5 | $0 | $5 | 0.00% |
| ROMANIEL LOUIS3 | 112 UNION ROAD SPRING VALLEY, NY 10977 | AFLAC | $2 | $0 | $2 | 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% |
| TOMAS E FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $1 | $0 | $1 | 0.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $0 | $6K | 2.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | P.O. BOX 786677 PHILADELPHIA, PA 19178 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $537 | $0 | $537 | 0.21% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 2.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | P.O. BOX 786677 PHILADELPHIA, PA 19178 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $773 | $0 | $773 | 0.61% |
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 | 1,472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,484 | $127K |
| Short-term disability | AFLAC | 306 | $357K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,447 | $251K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,484 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,484 | — |
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.