| 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 | $49K | — | $49K | 4.46% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC | — | $17K | $17K | 1.52% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $917 | $7K | 20.65% |
| MARC SPIRO3 Filed as: MARC A SPIRO | P.O. BOX 100 BEDFORD, NY 10506 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 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 | — | $837 | $837 | 5.00% |
| MARC SPIRO3 Filed as: MARC A. SPIRO | P.O. BOX 100 BEDFORD, NY 10506 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.62% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $780 | $780 | 5.00% |
| PINA JOY MUNRO3 | 4 ALPINE WAY DIX HILLS, NY 11746 | AFLAC | $167 | — | $167 | 2.64% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $149 | — | $149 | 2.35% |
| BARBARA ANN MEYER3 | 6 HICKORY LN LEVITTOWN, NY 11746 | AFLAC | $115 | $13 | $128 | 2.02% |
| WILLIAM J LOEFFERT3 | 555 BROAD HOLLOW ROAD SUITE 426 MELVILLE, NY 11747 | AFLAC | $84 | — | $84 | 1.33% |
| JAMES (JAY) GRIMES3 Filed as: JAMES J GRIMES | 4272 PERSIMMON WOODS DR NORTH CHARLESTON, SC 29420 | AFLAC | $41 | — | $41 | 0.65% |
| ROBERT A TAVAREZ3 | 99 NORFOLK DRIVE W ELMONT, NY 11003 | AFLAC | $28 | — | $28 | 0.44% |
| DOMENICO V MAUTARELLI3 | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $21 | $3 | $24 | 0.38% |
| SALVATORE A RESTIVO3 | 32 HASKELL LANE STONY BROOK, NY 11790 | AFLAC | $16 | — | $16 | 0.25% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015 W HOLBROOK, NY 11741 | AFLAC | $12 | $3 | $15 | 0.24% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY S RUPPELL | 363 GOOD HOPE ROAD BLUFFTON, SC 29909 | AFLAC | $14 | — | $14 | 0.22% |
| SHARON NEIMANIS3 Filed as: SHARON V NEIMANIS | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $12 | — | $12 | 0.19% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $10 | — | $10 | 0.16% |
| ROBERT NIVEYRO3 | 47 FOXGLOVE ROW RIVERHEAD, NY 11901 | AFLAC | $9 | — | $9 | 0.14% |
| MARC SPIRO3 Filed as: MARC A SPIRO | 95 MILLERTOWN ROAD BEDFORD, NY 10506 | AFLAC | $6 | — | $6 | 0.09% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 205 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $35K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $32K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.