| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND LLC | 1 FINANCIAL PLAZA 2ND FLOOR HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $32K | $32K | 2.59% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 2.00% |
| DONALD C SAVOY INC3 | 445 BROADHOLLOW ROAD SUITE 119 MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.60% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $2K | $2K | 7.81% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND INC | 1 FINANCIAL PLAZA LOWER 2 HARTFORD, CT 11788 | AFLAC | $645 | — | $645 | 3.47% |
| PATRICIA RUPPEL3 | 70 VICTORIA DRIVE HILTON HEAD, SC 29926 | AFLAC | $255 | — | $255 | 1.37% |
| BARRY SIEGEL3 | PO BOX 144 DOBBS FERRY, NY 10522 | AFLAC | $176 | — | $176 | 0.95% |
| DON'T SWEAT LIFE INC3 | 160 MIDDLE NECK ROAD APARTMENT 3B GREAT NECK, NY 11021 | AFLAC | $158 | $4 | $162 | 0.87% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DRIVE APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $134 | — | $134 | 0.72% |
| JACQUES P DAVID CORPORATION3 | 5 MONTFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $129 | $4 | $133 | 0.72% |
| BRADLEY S RUPPEL3 | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $130 | — | $130 | 0.70% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $101 | $17 | $118 | 0.64% |
| GILBERTO DASILVA3 | 33 BARRYPARK COURT ALBERTSON, NY 11507 | AFLAC | $82 | — | $82 | 0.44% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $70 | — | $70 | 0.38% |
| PATRICIA ANN GRECO CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $41 | — | $41 | 0.22% |
| ANTHONY J CHILLE3 | 35 POPLAR AVENUE FARMINGDALE, NY 11735 | AFLAC | $27 | — | $27 | 0.15% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $24 | — | $24 | 0.13% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $21 | — | $21 | 0.11% |
| KATHERINE D GRIMES3 | PO BOX 905 FOLLY BEACH, SC 29439 | AFLAC | $7 | — | $7 | 0.04% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $7 | — | $7 | 0.04% |
| KENNETH GRAF3 | 578 CENTER HILL ROAD PITTSBURGH, PA 15239 | AFLAC | $6 | — | $6 | 0.03% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $4 | — | $4 | 0.02% |
| ALISSA MARIE CAVALLARO3 | 1 BAY CLUB DRIVE APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $2 | — | $2 | 0.01% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.01% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $1K | $1K | 7.80% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $176 | $176 | 7.79% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 62 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 49 | $22K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 168 | $20K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 168 | $14K |
| Other(2 contracts, 2 carriers) | AFLAC | 168 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.