| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC SPIRO3 Filed as: MARC A SPIRO | P.O. BOX 100 BEDFORD, NY 10506 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 3.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 2.00% |
| RENEE METJE3 | 60 US HIGHWAY 46 SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $14K | $867 | $15K | 25.48% |
| JONATHAN MOREL3 | 338 6TH AVENUE PATERSON, NJ 07524 | AFLAC | $3K | $238 | $4K | 6.18% |
| LENIN RODRIGUEZ3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $2K | $254 | $2K | 3.08% |
| CHRISTOPHER T LYONS3 | 15 GLENDALE LANE FAIRFIELD, NJ 07004 | AFLAC | $1K | $170 | $2K | 2.68% |
| JENNIFER MOREL3 | 338 6TH AVENUE PATERSON, NJ 07524 | AFLAC | $577 | $83 | $660 | 1.13% |
| PINA JOY MUNRO3 | 4 ALPINE WAY DIX HILLS, NY 11746 | AFLAC | $119 | — | $119 | 0.20% |
| BARBARA ANN MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $106 | — | $106 | 0.18% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $101 | — | $101 | 0.17% |
| WILLIAM J LOEFFERT3 | 555 BROADHOLLOW ROAD SUITE 201 MELVILLE, NY 11747 | AFLAC | $60 | — | $60 | 0.10% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE APARTMENT 902 HOBOKEN, NJ 07030 | AFLAC | $32 | — | $32 | 0.05% |
| JAMES (JAY) GRIMES3 Filed as: JAMES J GRIMES | 554 ROBERT WILIAMS ROAD PINE MOUNTAIN, GA 31822 | AFLAC | $29 | — | $29 | 0.05% |
| ROBERT A TAVAREZ3 | 99 NORFOLK DRIVE WEST ELMONT, NY 11003 | AFLAC | $25 | — | $25 | 0.04% |
| DOMENICO V MAUTARELLI3 | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $24 | — | $24 | 0.04% |
| SEASON LYONS3 | 15 GLENDALE LANE FAIRFIELD, NJ 07004 | AFLAC | $15 | — | $15 | 0.03% |
| SALVATORE A RESTIVO3 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $14 | — | $14 | 0.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $14 | — | $14 | 0.02% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY S RUPPELL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $13 | — | $13 | 0.02% |
| SHARON NEIMANIS3 Filed as: SHARON V NEIMANIS | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $11 | — | $11 | 0.02% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $6 | — | $6 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $3 | — | $3 | 0.01% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.00% |
| MARC SPIRO3 | PO BOX 100 BEDFORD, NY 10506 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 8.20% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 3.96% |
| MARC SPIRO3 | 95 MILLERTOWN ROAD PO BOX 100 BEDFORD, NY 10506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.85% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 8.79% |
| MARC SPIRO3 | PO BOX 100 BEDFORD, NY 10506 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $2K | — | $2K | 10.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $735 | $735 | 4.00% |
| MARC SPIRO3 | 95 MILLERTOWN ROAD PO BOX 100 BEDFORD, NY 10506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $281 | — | $281 | 11.99% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $207 | $207 | 8.83% |
| MARC SPIRO3 | PO BOX 100 BEDFORD, NY 10506 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $43 | — | $43 | 9.93% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $17 | $17 | 3.93% |
| MARC SPIRO3 | PO BOX 100 BEDFORD, NY 10506 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $22 | — | $22 | 10.19% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $9 | $9 | 4.17% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $1.2M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 137 | $64K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $26K |
| Other(3 contracts, 2 carriers) | AFLAC | 198 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
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.