| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC SPIRO3 Filed as: MARC SPIRO & COMPANY | P.O. BOX 100 BEDFORD, NY 10506 | OXFORD HEALTH INSURANCE, INC | $48K | — | $48K | 4.14% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC | — | $17K | $17K | 1.45% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 21.84% |
| NMP PLANNING CO. INC3 Filed as: NMP PLANNING CO INC | 118-35 QUEENS BOULEVARD SUITE 1230 FORREST HILLS, NY 11375 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $79 | — | $79 | 0.26% |
| MARC SPIRO3 Filed as: MARC A SPIRO | P.O. BOX 100 BEDFORD, NY 10506 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GRP PLANS INC | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $737 | $737 | 5.00% |
| MARC SPIRO3 Filed as: MARC A. SPIRO | P.O. BOX 100 BEDFORD, NY 10506 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.91% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $636 | $636 | 5.00% |
| BARBARA ANN MEYER3 | 6 HICKORY LN LEVITTOWN, NY 11746 | AFLAC | $355 | $17 | $372 | 5.68% |
| PINA JOY MUNRO3 | 4 ALPINE WAY DIX HILLS, NY 11746 | AFLAC | $139 | — | $139 | 2.12% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $124 | — | $124 | 1.89% |
| WILLIAM J LOEFFERT3 | 555 BROAD HOLLOW ROAD SUITE 426 MELVILLE, NY 11747 | AFLAC | $70 | — | $70 | 1.07% |
| DOMENICO V MAUTARELLI3 | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $56 | $3 | $59 | 0.90% |
| SHARON NEIMANIS3 Filed as: SHARON V NEIMANIS | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $49 | — | $49 | 0.75% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015 W HOLBROOK, NY 11741 | AFLAC | $37 | $3 | $40 | 0.61% |
| JAMES (JAY) GRIMES3 Filed as: JAMES J GRIMES | 4272 PERSIMMON WOODS DR NORTH CHARLESTON, SC 29420 | AFLAC | $34 | — | $34 | 0.52% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY S RUPPELL | 363 GOOD HOPE ROAD BLUFFTON, SC 29909 | AFLAC | $30 | — | $30 | 0.46% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $22 | $3 | $25 | 0.38% |
| ROBERT A TAVAREZ3 | 99 NORFOLK DR W ELMONT, NY 11003 | AFLAC | $23 | — | $23 | 0.35% |
| MARC SPIRO3 Filed as: MARC A SPIRO | 95 MILLERTOWN ROAD BEDFORD, NY 10506 | AFLAC | $19 | — | $19 | 0.29% |
| SALVATORE A RESTIVO3 | 32 HASKELL LANE STONY BROOK, NY 11790 | AFLAC | $13 | — | $13 | 0.20% |
| ROBERT NIVEYRO3 | 47 FOX GLOVE ROW RIVERHEAD, NY 11901 | AFLAC | $9 | — | $9 | 0.14% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 178 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $31K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $13K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.