| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEOPLES UNITED INSURANCE3 | 755 MAIN STREET ONE FINANCIAL PLAZA HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $34K | $34K | 2.58% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $26K | $26K | 2.00% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | PO BOX 12188 100 MOTOR PARKWAY SUITE 110 HAUPPAUGE, NY 11788 | AFLAC | $881 | — | $881 | 3.48% |
| DON'T SWEAT LIFE INC3 | 146 BAYVIEW AVENUE NORTHPORT, NY 11768 | AFLAC | $599 | $102 | $701 | 2.77% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DRIVE APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $383 | — | $383 | 1.51% |
| BARRY SIEGEL3 | PO BOX 144 DOBBS FERRY, NY 10522 | AFLAC | $314 | $63 | $377 | 1.49% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN ROAD SUITE 190 MELVILLE, NY 11747 | AFLAC | $323 | $42 | $365 | 1.44% |
| PATRICIA RUPPEL3 | 1304 LILYS CAY CIRCLE VERO BEACH, FL 32967 | AFLAC | $265 | — | $265 | 1.05% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $260 | — | $260 | 1.03% |
| GILBERTO DASILVA3 | 33 BARRYPARK COURT ALBERTSON, NY 11507 | AFLAC | $184 | $42 | $226 | 0.89% |
| BRADLEY S RUPPEL3 | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $136 | — | $136 | 0.54% |
| PATRICIA ANN GRECO CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $82 | — | $82 | 0.32% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $72 | — | $72 | 0.28% |
| ANTHONY CHILLE AGENCY INC3 | 35 POPLAR AVENUE FARMINGDALE, NY 11735 | AFLAC | $57 | — | $57 | 0.22% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $33 | — | $33 | 0.13% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $28 | — | $28 | 0.11% |
| ALISSA MARIE CAVALLARO3 | 1 BAY CLUB DRIVE APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $10 | — | $10 | 0.04% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $8 | — | $8 | 0.03% |
| KATHERINE D GRIMES3 | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $7 | — | $7 | 0.03% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $7 | — | $7 | 0.03% |
| KENNETH GRAF3 | 578 CENTER HILL ROAD PITTSBURGH, PA 15239 | AFLAC | $6 | — | $6 | 0.02% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | — | $6 | 0.02% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $718 | $718 | 4.49% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC DBA SAVOY ASSO | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | HEALTHPLEX INSURANCE COMPANY | $546 | — | $546 | 5.02% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $2K | — | $2K | 16.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. DBA SAVOY ASSO | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | DENTCARE DELIVERY SYSTEMS | $378 | — | $378 | 3.48% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $464 | $464 | 4.43% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $292 | — | $292 | 16.08% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. DBA SAVOY ASSO | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | DENTCARE DELIVERY SYSTEMS | $63 | — | $63 | 3.47% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $81 | $81 | 4.51% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $1.3M |
| Dental(3 contracts, 2 carriers) | HEALTHPLEX INSURANCE COMPANY | 28 | $24K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 177 | $16K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 177 | $10K |
| Other(2 contracts, 2 carriers) | AFLAC | 177 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.