| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 117473111 | EMBLEM HEALTH | $35K | $0 | $35K | 4.76% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 117473111 | GUARDIAN | $1K | $0 | $1K | 7.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | AFLAC | $891 | $0 | $891 | 6.36% |
| NICOLE HARPER3 | 8 BENSON AVE NEWBURGH, NY 12550 | AFLAC | $440 | $15 | $455 | 3.25% |
| NICOLE M HARPER3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $391 | $15 | $406 | 2.90% |
| DEANA BRENNAN3 Filed as: DEANA BRENNAN INC. | 176 MAIN ST. GOSHEN, NY 10924 | AFLAC | $390 | $0 | $390 | 2.78% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DR NEW CITY, NY 10956 | AFLAC | $223 | $4 | $227 | 1.62% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SIRACUSA | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $171 | $4 | $175 | 1.25% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $159 | $4 | $163 | 1.16% |
| WILLIAM E BRENNAN3 | PO BOX 311 SOUTHFIELDS, NY 10975 | AFLAC | $143 | $0 | $143 | 1.02% |
| JOHN KARAS3 | 30 MATTHEWS ST SUITE 301 GOSHEN, NY 10924 | AFLAC | $89 | $0 | $89 | 0.63% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $74 | $0 | $74 | 0.53% |
| JENNIFER E BOULLE3 | 62 CARMEN DR POUGHKEEPSIE, NY 12603 | AFLAC | $74 | $0 | $74 | 0.53% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR NEW ROCHELLE, NY 10804 | AFLAC | $60 | $3 | $63 | 0.45% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NY 10950 | AFLAC | $46 | $0 | $46 | 0.33% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC. | 800 PARKER HILL DR., STE 100 ROCHESTER, NY 14625 | AFLAC | $36 | $0 | $36 | 0.26% |
| WILL BRENNAN3 | 2 CLARK RD GOSHEN, NY 10924 | AFLAC | $24 | $0 | $24 | 0.17% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $20 | $0 | $20 | 0.14% |
| M VINCENT MEZZETTI3 | PO BOX 294 59 N MAIN ST FLORIDA, NY 10921 | AFLAC | $18 | $0 | $18 | 0.13% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $11 | $0 | $11 | 0.08% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $3 | $0 | $3 | 0.02% |
| PERRY E MEDINA3 | 1128 WASHINGTON GRN NEW WINDSOR, NY 12553 | AFLAC | $3 | $0 | $3 | 0.02% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $2 | $0 | $2 | 0.01% |
| TOMAS E FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $2 | $0 | $2 | 0.01% |
| JUDITH S KASS3 | 47 MORNING WATCH RD WAYNE, NJ 07470 | AFLAC | $2 | $0 | $2 | 0.01% |
| AMY K FOY3 | PO BOX 591 SCHROON LAKE, NY 12870 | AFLAC | $2 | $0 | $2 | 0.01% |
| AMY WARNER3 | 10 LAKE ST 2ND FLOOR MONROE, NY 10950 | AFLAC | $1 | $0 | $1 | 0.01% |
| LARRY JAY BLUM3 | 321 ROUTE 59 UNIT 254 TALLMAN, NY 10982 | AFLAC | $1 | $0 | $1 | 0.01% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 117473111 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $349 | $0 | $349 | 10.01% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 64 | $739K |
| Dental | GUARDIAN | 37 | $20K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 56 | $3K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $12K |
| Other(2 contracts, 2 carriers) | AFLAC | 105 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.