| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER TEPPER3 | 2466 KERRY LN BELLMORE, NY 11710 | AFLAC | $7K | $37 | $7K | 5.81% |
| S BEIN INC3 Filed as: S BEIN, INC | 8676 SW CARRARA WAY PORT ST. LUCIE, FL 34987 | AFLAC | $7K | $0 | $7K | 5.70% |
| ALVARO MONTENEGRO3 | 5 ELYSE DR NEW CITY, NY 10956 | AFLAC | $4K | $0 | $4K | 3.25% |
| GROE INC3 Filed as: GROE, INC | 108 JACKSON ST APT 4A HOBOKEN, NJ 07030 | AFLAC | $2K | $0 | $2K | 1.80% |
| DANIELLE FULLICK3 | 6 HARRISON ST STONY POINT, NY 10980 | AFLAC | $2K | $0 | $2K | 1.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 159 WOLF RD STE 200 ALBANY, NY 12205 | AFLAC | $1K | $0 | $1K | 1.17% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $583 | $0 | $583 | 0.46% |
| MARTIN GARFINKEL3 | 1660 MIDLAND DR EAST MEADOW, NY 11554 | AFLAC | $579 | $0 | $579 | 0.46% |
| MICHELLE MONTENEGRO3 | 5 ELYSE DR NEW CITY, NY 10956 | AFLAC | $554 | $0 | $554 | 0.44% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $510 | $0 | $510 | 0.41% |
| ANTHONY R ORGERA INC3 Filed as: ANTHONY R. ORGERA, INC | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $471 | $0 | $471 | 0.37% |
| LOUIS ORGERA3 | 585 STEWART AVE STE 414 GARDEN CITY, NY 11530 | AFLAC | $394 | $0 | $394 | 0.31% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $381 | $0 | $381 | 0.30% |
| KENNETH WELLER3 | 160 BEDFORD AVE APT 2R BROOKLYN, NY 11249 | AFLAC | $295 | $0 | $295 | 0.23% |
| TODD J BURKE CORP3 Filed as: TODD BURKE | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $261 | $0 | $261 | 0.21% |
| ROBIN BEINHORN3 | 8676 SW CARRARA WAY PORT ST. LUCIE, FL 34987 | AFLAC | $221 | $0 | $221 | 0.18% |
| REID KLEINMAN3 | 1483 YORK AVE UNIT 20565 NEW YORK, NY 10021 | AFLAC | $146 | $0 | $146 | 0.12% |
| SHARON MARTIN-TOUSSAINT3 | 231 PRIMROSE AVE MOUNT VERNON, NY 10552 | AFLAC | $139 | $0 | $139 | 0.11% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE STE 200 WALNUT CREEK, CA 94596 | AFLAC | $55 | $0 | $55 | 0.04% |
| JOSEPH COURCY3 | 7283 ROUMARE RD EAST SYRACUSE, NY 13057 | AFLAC | $55 | $0 | $55 | 0.04% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $39 | $0 | $39 | 0.03% |
| EVAN DANIELE3 | 263 E. PLEASANTVIEW AVE APT 2 HACKENSACK, NJ 07601 | AFLAC | $38 | $0 | $38 | 0.03% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR NEW ROCHELLE, NY 10804 | AFLAC | $33 | $0 | $33 | 0.03% |
| HLS ENTERPRISES NY INC3 Filed as: HLS ENTERPRISES NY, INC | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $32 | $0 | $32 | 0.03% |
| RLK AND ASSOCIATES INC3 | 345 E. 80TH ST APT 21C NEW YORK, NY 10075 | AFLAC | $24 | $0 | $24 | 0.02% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $20 | $0 | $20 | 0.02% |
| KATINA O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $16 | $0 | $16 | 0.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: LISA-AN NEW WORLD ASSOC, INC. | 135 PINELAWN RD STE 140S MELVILLE, NY 11747 | AFLAC | $15 | $0 | $15 | 0.01% |
| EDWIN O'CONNOR3 | 19 OCEAN AVE AMITYVILLE, NY 11701 | AFLAC | $8 | $0 | $8 | 0.01% |
| ROSEANNE PANDULLO3 | 24 ROYAL WAY SHOREHAM, NY 11786 | AFLAC | $8 | $0 | $8 | 0.01% |
| SIMONE HIRSCH3 | 1167 HILLSBORO MILE APT 403 HILLSBORO BEACH, FL 33062 | AFLAC | $7 | $0 | $7 | 0.01% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $6 | $0 | $6 | 0.00% |
| SCARLET RODRIGUEZ3 | 218 ELLIGER AVE FORT WASHINGTON, PA 19034 | AFLAC | $5 | $0 | $5 | 0.00% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $4 | $0 | $4 | 0.00% |
| LYLE WISNER3 | 119 SPOT CLUB RD ARNOLD, MD 21012 | AFLAC | $2 | $0 | $2 | 0.00% |
| CHRISTY HARDIE3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $1 | $0 | $1 | 0.00% |
| TREVOR FENNELL3 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $1 | $0 | $1 | 0.00% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $1 | $0 | $1 | 0.00% |
| SALVATORE A RESTIVO3 Filed as: SALVATORE RESTIVO | 248 ROUTE 25A #3009 EAST SETAUKET, NY 11733 | AFLAC | $1 | $0 | $1 | 0.00% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | WILTON REASSURANCE LIFE CO OF NEW YORK | $364 | $0 | $364 | 2.01% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | WILTON REASSURANCE LIFE CO OF NEW YORK | $103 | $0 | $103 | 0.57% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | 626 NORTH FRENCH RD STE 3 AMHERST, NY 14228 | WILTON REASSURANCE LIFE CO OF NEW YORK | $19 | $0 | $19 | 0.11% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | WILTON REASSURANCE LIFE CO OF NEW YORK | $165 | $0 | $165 | 1.20% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | WILTON REASSURANCE LIFE CO OF NEW YORK | $91 | $0 | $91 | 0.66% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | 626 NORTH FRENCH RD STE 3 AMHERST, NY 14228 | WILTON REASSURANCE LIFE CO OF NEW YORK | $19 | $0 | $19 | 0.14% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | WILTON REASSURANCE LIFE CO OF NEW YORK | $162 | $0 | $162 | 1.71% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | WILTON REASSURANCE LIFE CO OF NEW YORK | $92 | $0 | $92 | 0.97% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | 626 NORTH FRENCH RD STE 3 AMHERST, NY 14228 | WILTON REASSURANCE LIFE CO OF NEW YORK | $15 | $0 | $15 | 0.16% |
| MICHAEL HOGAN3 | 402 LAKEFRONT BLVD BUFFALO, NY 14202 | WILTON REASSURANCE LIFE CO OF NEW YORK | $336 | $0 | $336 | 3.75% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | WILTON REASSURANCE LIFE CO OF NEW YORK | $50 | $0 | $50 | 0.56% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | 626 NORTH FRENCH RD STE 3 AMHERST, NY 14228 | WILTON REASSURANCE LIFE CO OF NEW YORK | $46 | $0 | $46 | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK WESTERN&NORTHEASTERN NY IN EIN 16-1105741 INSURANCE PROVIDER | Insurance services Service code 23 | — | $342K |
| LAWLEY, LLC INSURANCE AGENT OR BROKER | Insurance agents and brokers Service code 22 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | $0 |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 120 | $135K |
| Dental | AFLAC | 120 | $126K |
| Life insurance | WILTON REASSURANCE LIFE CO OF NEW YORK | 24 | $14K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 120 | $135K |
| Other(4 contracts) | WILTON REASSURANCE LIFE CO OF NEW YORK | 45 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.