| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | OXFORD HEALTH INSURANCE, INC | $48K | — | $48K | 3.75% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC | — | $16K | $16K | 1.28% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $5K | $9K | 11.79% |
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.40% |
| BENEDETTO V. CRACCO3 Filed as: BENEDETTO V CRACCO | 36 MUNSON COURT MELVILLE, NY 11747 | AFLAC | $2K | $159 | $2K | 7.96% |
| STUART COHEN3 | 18 EDWARDS STREET ROSLYN HEIGHTS, NY 11577 | AFLAC | $2K | $159 | $2K | 5.87% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $703 | $63 | $766 | 2.50% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN H MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $266 | $26 | $292 | 0.95% |
| DOMENICO V MAUTARELLI3 | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $251 | $32 | $283 | 0.92% |
| STUART F COHEN C/O SIGNATURE BROKER3 | 255 EXECUTIVE DRIVE SUITE LL106 PLAINVIEW, NY 11803 | AFLAC | $215 | — | $215 | 0.70% |
| PENSION & WEALTH CONSULTANTS LLC3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | AFLAC | $193 | — | $193 | 0.63% |
| SIGNATURE BROKERAGE INC.3 | 255 EXECUTIVE DRIVE SUITE LL106 PLAINVIEW, NY 11803 | AFLAC | $80 | — | $80 | 0.26% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $61 | — | $61 | 0.20% |
| KATHRYN F GEISS3 | PO BOX 637 PLAINVIEW, NY 11803 | AFLAC | $33 | — | $33 | 0.11% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $28 | — | $28 | 0.09% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN H MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $22 | $5 | $27 | 0.09% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | PO BOX 838 EAST SETAUKET, NY 11733 | AFLAC | $11 | — | $11 | 0.04% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $9 | — | $9 | 0.03% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $7 | — | $7 | 0.02% |
| JACK BIENSTOCK3 | 3310 NORTH LEISURE WORLD BOULEVARD APARTMENT 325 SILVER SPRING, MD 20906 | AFLAC | $6 | — | $6 | 0.02% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.01% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $1 | — | $1 | 0.00% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 181 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $104K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $104K |
| Life insurance | AFLAC | 42 | $31K |
| Short-term disability | AFLAC | 42 | $31K |
| Other | AFLAC | 42 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.