| 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 | $59K | — | $59K | 4.88% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC | $2K | $16K | $18K | 1.52% |
| DAVID KUSHNER3 Filed as: DAVID C. SAVOY, INC. | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | OXFORD HEALTH INSURANCE, INC | — | $5K | $5K | 0.41% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.31% |
| DAVID KUSHNER3 Filed as: DAVID C SAVOY, INC. | 258 HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.25% |
| PREFESSIONAL GROUP PLANS INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 3.84% |
| 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 | — | $712 | $712 | 3.97% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAYOY, INC. | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $227 | $227 | 1.27% |
| MARC SPIRO3 Filed as: MARC A. SPIRO | P.O. BOX 100 BEDFORD, NY 10506 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.61% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $621 | $621 | 3.97% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $199 | $199 | 1.27% |
| PINA JOY MUNRO3 | 4 ALPINE WAY DIX HILLS, NY 11746 | AFLAC | $153 | — | $153 | 2.77% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $138 | — | $138 | 2.50% |
| BARBARA ANN MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $89 | — | $89 | 1.61% |
| WILLIAM J LOEFFERT3 | 555 BROADHOLLOW ROAD SUITE 201 MELVILLE, NY 11747 | AFLAC | $77 | — | $77 | 1.40% |
| JAMES (JAY) GRIMES3 Filed as: JAMES J GRIMES | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $38 | — | $38 | 0.69% |
| ROBERT A TAVAREZ3 | 99 NORFOLK DRIVE WEST ELMONT, NY 11003 | AFLAC | $25 | — | $25 | 0.45% |
| DOMENICO V MAUTARELLI3 | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $18 | — | $18 | 0.33% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY S RUPPELL | 67 MAPLE PLACE HUNINGTON, NY 11743 | AFLAC | $13 | — | $13 | 0.24% |
| SHARON NEIMANIS3 Filed as: SHARON V NEIMANIS | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $11 | — | $11 | 0.20% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $10 | — | $10 | 0.18% |
| SALVATORE A RESTIVO3 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $9 | — | $9 | 0.16% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $6 | — | $6 | 0.11% |
| SALVATORE A RESTIVO3 | 32 HASKELL LANE STONY BROOK, NY 11790 | AFLAC | $5 | — | $5 | 0.09% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $3 | — | $3 | 0.05% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.04% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 215 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $36K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $34K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.