| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $27K | $27K | 2.00% |
| PEOPLES UNITED INSURANCE3 | 755 MAIN STREET ONE FINANCIAL PLAZA HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$199 | — | -$199 | -0.01% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | PO BOX 12188 100 MOTOR PARKWAY HAUPPAUGE, NY 11788 | AFLAC | $972 | — | $972 | 3.36% |
| ROBERT BEEGEL3 | 146 BAYVIEW AVENUE NORTHPORT, NY 11768 | AFLAC | $854 | — | $854 | 2.95% |
| BARRY SIEGEL3 | PO BOX 144 DOBBS FERRY, NC 10522 | AFLAC | $759 | — | $759 | 2.63% |
| GILBERTO DASILVA3 | 33 BARRYPARK COURT ALBERTSON, NY 11507 | AFLAC | $342 | — | $342 | 1.18% |
| ANTHONY CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $245 | $60 | $305 | 1.06% |
| PATRICIA RUPPEL3 | 1304 LILYS CAY CIRCLE VERO BEACH, FL 32967 | AFLAC | $269 | — | $269 | 0.93% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DRIVE APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $245 | — | $245 | 0.85% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN ROAD SUITE 190 MELVILLE, NY 11747 | AFLAC | $241 | — | $241 | 0.83% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $202 | $30 | $232 | 0.80% |
| BRADLEY S RUPPEL3 | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $140 | — | $140 | 0.48% |
| DON'T SWEAT LIFE INC3 | 146 BAYVIEW AVENUE NORTHPORT, NY 11768 | AFLAC | $83 | — | $83 | 0.29% |
| PATRICIA ANN GRECO CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $82 | — | $82 | 0.28% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $72 | — | $72 | 0.25% |
| ANTHONY CHILLE AGENCY INC3 | 35 POPLAR AVENUE FARMINGDALE, NY 11735 | AFLAC | $57 | — | $57 | 0.20% |
| ALISSA MARIE CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $8 | $45 | $53 | 0.18% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $34 | — | $34 | 0.12% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER CORPORATION | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $31 | — | $31 | 0.11% |
| KENNETH GRAF3 | 578 CENTER HILL ROAD PITTSBURGH, PA 15239 | AFLAC | $9 | — | $9 | 0.03% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $8 | — | $8 | 0.03% |
| ALISSA MARIE CAVALLARO3 | 1 BAY CLUB DRIVE APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $8 | — | $8 | 0.03% |
| KATHERINE D GRIMES3 | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $7 | — | $7 | 0.02% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $7 | — | $7 | 0.02% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | — | $6 | 0.02% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $1 | — | $1 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $632 | $9 | $641 | 3.66% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $632 | — | $632 | 3.61% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC. | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | DENTCARE DELIVERY SYSTEMS | $2K | — | $2K | 12.51% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $157 | — | $157 | 1.21% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $462 | — | $462 | 3.61% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC. | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | HEALTHPLEX INSURANCE COMPANY | $951 | — | $951 | 9.11% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $82 | — | $82 | 0.79% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 396 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $71 | $1K | $1K | 62.76% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $71 | — | $71 | 3.60% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC. | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | DENTCARE DELIVERY SYSTEMS | $241 | — | $241 | 12.43% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $27 | — | $27 | 1.39% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | 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) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $1.4M |
| Dental(3 contracts, 2 carriers) | DENTCARE DELIVERY SYSTEMS | 35 | $25K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 184 | $18K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 184 | $13K |
| Other(2 contracts, 2 carriers) | AFLAC | 184 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.