| 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 | $60K | — | $60K | 4.17% |
| DAVID KUSHNER3 Filed as: DAVID C. SAVOY, INC. | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | OXFORD HEALTH INSURANCE, INC | — | $20K | $20K | 1.39% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC | — | $13 | $13 | 0.00% |
| DAVID KUSHNER3 Filed as: DAVID C SAVOY, INC. | 350 MOTOR PARKWAY SUITE 404 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $359 | $9K | 18.78% |
| MARC SPIRO3 Filed as: MARC A SPIRO | P.O. BOX 100 BEDFORD, NY 10506 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| 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 | — | $987 | $987 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $359 | $359 | 1.82% |
| MARC SPIRO3 Filed as: MARC A. SPIRO | P.O. BOX 100 BEDFORD, NY 10506 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.25% |
| 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 | — | $883 | $883 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $313 | $313 | 1.77% |
| RENEE METJE3 | 60 US HIGHWAY 46 SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $3K | $92 | $3K | 18.25% |
| JONATHAN MOREL3 | 338 6TH AVENUE PATERSON, NJ 07524 | AFLAC | $1K | $71 | $1K | 9.61% |
| LENIN RODRIGUEZ3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $359 | — | $359 | 2.42% |
| CHRISTOPHER T LYONS3 | 60 US HIGHWAY 46 SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $221 | — | $221 | 1.49% |
| JENNIFER MOREL3 | 338 6TH AVENUE PATERSON, NJ 07524 | AFLAC | $209 | — | $209 | 1.41% |
| PINA JOY MUNRO3 | 4 ALPINE WAY DIX HILLS, NY 11746 | AFLAC | $117 | — | $117 | 0.79% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $101 | — | $101 | 0.68% |
| BARBARA ANN MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $81 | — | $81 | 0.55% |
| WILLIAM J LOEFFERT3 | 555 BROADHOLLOW ROAD SUITE 201 MELVILLE, NY 11747 | AFLAC | $58 | — | $58 | 0.39% |
| JAMES (JAY) GRIMES3 Filed as: JAMES J GRIMES | 4272 PERSIMMON WOODS DRIVE NORTH CHARLESTON, SC 29420 | AFLAC | $28 | — | $28 | 0.19% |
| ROBERT A TAVAREZ3 Filed as: ROBERT A TAVEREZ | 99 NORFOLK DRIVE WEST ELMONT, NY 11003 | AFLAC | $23 | — | $23 | 0.15% |
| DOMENICO V MAUTARELLI3 | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $16 | — | $16 | 0.11% |
| SALVATORE A RESTIVO3 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $13 | — | $13 | 0.09% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY S RUPPELL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $12 | — | $12 | 0.08% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015 WEST HOLBROOK, NY 11741 | AFLAC | $9 | — | $9 | 0.06% |
| SHARON NEIMANIS3 Filed as: SHARON V NEIMANIS | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $9 | — | $9 | 0.06% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $6 | — | $6 | 0.04% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $3 | — | $3 | 0.02% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.01% |
| SHARON NEIMANIS3 Filed as: SHARON V NEIMANIS | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $1 | — | $1 | 0.01% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 226 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $46K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $37K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.