| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 1.45% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | UNKNOWN BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $11K | $11K | 1.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $10K | $0 | $10K | 7.46% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $6K | $6K | 4.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $3K | $3K | 1.90% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $2K | $70 | $2K | 5.60% |
| BRIAN WHITE3 Filed as: BRIAN WHITE AND OTHER AGENTS | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $2K | $0 | $2K | 4.27% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELVILLE, NY 11747 | AFLAC | $334 | $0 | $334 | 0.82% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES DAVID | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $322 | $10 | $332 | 0.81% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $208 | $16 | $224 | 0.55% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $10 | $0 | $10 | 0.02% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $2K | $53 | $2K | 7.26% |
| BRIAN WHITE3 Filed as: BRIAN WHITE AND OTHER AGENTS | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $541 | $25 | $566 | 1.71% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $432 | $12 | $444 | 1.34% |
| MICHAEL BURACK3 | 46 THREEPENCE DRIVE MELVILLE, NY 11747 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $393 | $0 | $393 | 1.18% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $173 | $12 | $185 | 0.56% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $30 | $0 | $30 | 0.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $842 | $2K | 9.05% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
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 | 713 | 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) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 520 | $790K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 438 | $21K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 713 | $138K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 29 | $74K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 713 | $138K |
| Other(4 contracts, 4 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 713 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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.