| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD., STE. 105E SUITE 100 MELVILLE, NY 117473111 | EMBLEM HEALTH | $31K | $0 | $31K | 4.87% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD., STE. 105E MELVILLE, NY 117473111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $948 | $0 | $948 | 5.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD., STE. 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $773 | $773 | 4.21% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH ROBERT G AGENCY INC. | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $336 | $0 | $336 | 1.83% |
| DEANA BRENNAN3 Filed as: DEANA BRENNAN INC. | 176 MAIN ST. GOSHEN, NY 10924 | AFLAC | $758 | $0 | $758 | 5.73% |
| DEANNA BRENNAN3 | 2364 STATE ROUT 17A GOSHEN, NY 10924 | AFLAC | $268 | $0 | $268 | 2.03% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC. | 800 PARKER HILL DR., STE 100 ROCHESTER, NY 14625 | AFLAC | $195 | $0 | $195 | 1.48% |
| JOHN KARAS3 | 30 MATTHEWS ST SUITE 301 GOSHEN, NY 10924 | AFLAC | $169 | $0 | $169 | 1.28% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SURAGUSA | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $167 | $0 | $167 | 1.26% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $93 | $0 | $93 | 0.70% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $84 | $0 | $84 | 0.64% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NY 10950 | AFLAC | $80 | $0 | $80 | 0.61% |
| WILL BRENNAN3 | 2 CLARK RD GOSHEN, NY 10924 | AFLAC | $38 | $0 | $38 | 0.29% |
| AMY WARNER3 | 10 LAKE ST 2ND FLOOR MONROE, NY 10950 | AFLAC | $25 | $0 | $25 | 0.19% |
| M MEZZETTI3 | 59 N MAIN ST. PO BOX 294 FLORIDA, NY 10921 | AFLAC | $25 | $0 | $25 | 0.19% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $22 | $0 | $22 | 0.17% |
| LARRY JAY BLUM3 | 31 ROUTE 59 UNIT 254 TALLMAN, NY 10982 | AFLAC | $21 | $0 | $21 | 0.16% |
| NICOLE M HARPER3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $9 | $0 | $9 | 0.07% |
| PERRY E MEDINA3 | 1128 WASHINGTON GRN NEW WINDSOR, NY 12553 | AFLAC | $7 | $0 | $7 | 0.05% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $5 | $0 | $5 | 0.04% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $4 | $0 | $4 | 0.03% |
| TOMAS E FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $4 | $0 | $4 | 0.03% |
| CHRISTINE KRUZIK3 | 2364 ROUTE 17A GOSHEN, NY 10924 | AFLAC | $3 | $0 | $3 | 0.02% |
| JUDITH S KASS3 | 47 MORNING WATCH RD WAYNE, NJ 07470 | AFLAC | $3 | $0 | $3 | 0.02% |
| BRADLEY MADIGAN3 | 70 BRIXTON RD GARDEN CITY, NY 11530 | AFLAC | $2 | $0 | $2 | 0.02% |
| AMY K FOY3 Filed as: AMY FOY | P O BOX 591 SCHROON LAKE, NY 12870 | AFLAC | $2 | $0 | $2 | 0.02% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $1 | $0 | $1 | 0.01% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD., STE. 105E MELVILLE, NY 117473111 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $820 | $0 | $820 | 7.49% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $275 | $0 | $275 | 2.51% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $128 | $128 | 1.17% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD., STE. 105E MELVILLE, NY 117473111 | HM LIFE INSURANCE COMPANY | $267 | $0 | $267 | 8.15% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | HM LIFE INSURANCE COMPANY | $61 | $0 | $61 | 1.86% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 56 | $629K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 32 | $18K |
| Vision | HM LIFE INSURANCE COMPANY | 53 | $3K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $11K |
| Other(2 contracts, 2 carriers) | AFLAC | 112 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.