| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC SPIRO3 Filed as: MARC A SPIRO | PO BOX 100 BEDFORD, NY 10506 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $34K | $34K | 2.17% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 2.00% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE AND ASSOCIATES | 350 MOTOR PARKWAY SUITE 404 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 0.19% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.15% |
| RENEE METJE3 | 60 US HIGHWAY 46 SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $3K | $425 | $3K | 6.40% |
| CHRISTOPHER T LYONS3 | 15 GLENDALE LANE FAIRFIELD, NJ 07004 | AFLAC | $1K | $122 | $1K | 2.40% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVENUE SOUTH HACKENSACK, NJ 07606 | AFLAC | $586 | $107 | $693 | 1.38% |
| SHARON E. SAX3 Filed as: SHARON E SAX | 525 SPRING VALLEY ROAD APARTMENT A MAYWOOD, NJ 07607 | AFLAC | $277 | — | $277 | 0.55% |
| JENNIFER MOREL3 | 338 6TH AVENUE PATERSON, NJ 07524 | AFLAC | $173 | — | $173 | 0.34% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE APARTMENT 902 HOBOKEN, NJ 07030 | AFLAC | $153 | $16 | $169 | 0.34% |
| BARBARA ANN MEYER3 | 2916 HATTERAS WAY NAPLES, FL 34119 | AFLAC | $113 | — | $113 | 0.22% |
| JONATHAN MOREL3 | 338 6TH AVENUE PATERSON, NJ 07524 | AFLAC | $109 | — | $109 | 0.22% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $109 | — | $109 | 0.22% |
| PINA JOY MUNRO3 | 4 ALPINE WAY DIX HILLS, NY 11746 | AFLAC | $106 | — | $106 | 0.21% |
| JARED KANSKY3 | 1 BLUE HILL PLAZA SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $61 | — | $61 | 0.12% |
| WILLIAM J LOEFFERT3 | 555 BROADHOLLOW ROAD SUITE 201 MELVILLE, NY 11747 | AFLAC | $53 | — | $53 | 0.11% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $41 | — | $41 | 0.08% |
| DOMENICO V MAUTARELLI3 | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $29 | — | $29 | 0.06% |
| JAMES (JAY) GRIMES3 Filed as: JAMES J GRIMES | 554 ROBERT WILLIAMS ROAD PINE MOUNTAIN, GA 31822 | AFLAC | $25 | — | $25 | 0.05% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $17 | — | $17 | 0.03% |
| SALVATORE A RESTIVO3 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $16 | — | $16 | 0.03% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY S RUPPELL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $9 | — | $9 | 0.02% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $8 | — | $8 | 0.02% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $5 | — | $5 | 0.01% |
| ROBERT A TAVAREZ3 | 99 NORFOLK DRIVE WEST ELMONT, NY 11003 | AFLAC | $5 | — | $5 | 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 | $3 | — | $3 | 0.01% |
| SHARON NEIMANIS3 Filed as: SHARON V NEIMANIS | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $2 | — | $2 | 0.00% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 7.73% |
| MARC SPIRO3 | 95 MILLERTOWN ROAD PO BOX 100 BEDFORD, NY 10506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.07% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE & ASSOCIATES | 350 MOTOR PARKWAY SUITE 404 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $140 | — | $140 | 0.34% |
| MARC SPIRO3 | P.O. BOX 100 BEDFORD, NY 10506 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $167 | $3K | 7.24% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 3.44% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE AND ASSOCIATES | 350 MOTOR PARKWAY SUITE 404 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $591 | — | $591 | 1.45% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $282 | $282 | 0.69% |
| MARC SPIRO3 | PO BOX 100 BEDFORD, NY 10506 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $1K | — | $1K | 8.24% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $575 | $575 | 3.29% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE AND ASSOCIATES | 350 MOTOR PARKWAY SUITE 404 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $308 | — | $308 | 1.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $123 | $123 | 0.70% |
| MARC SPIRO3 | 95 MILLERTOWN ROAD PO BOX 100 BEDFORD, NY 10506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $356 | — | $356 | 11.13% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $261 | $261 | 8.16% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE & ASSOCIATES | 350 MOTOR PARKWAY SUITE 404 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28 | — | $28 | 0.88% |
| MARC SPIRO3 | PO BOX 100 BEDFORD, NY 10506 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $34 | — | $34 | 8.15% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $14 | $14 | 3.36% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE AND ASSOCIATES | 350 MOTOR PARKWAY SUITE 404 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $7 | — | $7 | 1.68% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $3 | $3 | 0.72% |
| MARC SPIRO3 | PO BOX 100 BEDFORD, NY 10506 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $17 | — | $17 | 8.17% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $7 | $7 | 3.37% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE AND ASSOCIATES | 350 MOTOR PARKWAY SUITE 404 HAUPPAUGE, NY 11788 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $4 | — | $4 | 1.92% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $1 | $1 | 0.48% |
| MARC SPIRO3 | PO BOX 100 BEDFORD, NY 10506 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $11 | — | $11 | 7.91% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $5 | $5 | 3.60% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE AND ASSOCIATES | 350 MOTOR PARKWAY SUITE 404 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $2 | — | $2 | 1.44% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $1 | $1 | 0.72% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $1.5M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 130 | $59K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $42K |
| Other(3 contracts, 2 carriers) | AFLAC | 178 | $95K |
| 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.