| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW FUSCO3 | HEYCOACH, LLC OLD BETHPAGE, NC 11804 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.18% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 308 HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| JEAN-MARC ARCHER3 Filed as: JEAN MARC ARCHER | 2 ADRIAN AVE APT 24C BRONX, NY 10463 | AFLAC | $2K | — | $2K | 6.79% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NC 10940 | AFLAC | $322 | — | $322 | 1.11% |
| JASON D HARTMAN3 | 10 LAKE ST SUITE 2 MONROE, NY 10950 | AFLAC | $292 | — | $292 | 1.00% |
| JMA CONSULTING INC.3 Filed as: JMA CONSULTING SERVICES CORP | 2 ADRIAN AVE APT 24C BRONX, NY 10463 | AFLAC | $228 | — | $228 | 0.78% |
| KEVIN B SWEENEY3 | 426 EMINENCE ROAD SUMMIT, NY 12175 | AFLAC | $78 | — | $78 | 0.27% |
| JMA CONSULTING INC.3 Filed as: JMA CONSULTING SERVICES CORP | 2 ADRIAN AVE APT 24C BRONX, NY 10463 | AFLAC | $1K | $20 | $1K | 5.57% |
| KEVIN B SWEENEY3 | 426 EMINENCE ROAD SUMMIT, NC 12175 | AFLAC | $474 | — | $474 | 2.11% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NC 10950 | AFLAC | $308 | — | $308 | 1.37% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SIRACUSA | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $298 | $5 | $303 | 1.35% |
| JEAN-MARC ARCHER3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $141 | — | $141 | 0.63% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $60 | — | $60 | 0.27% |
| PAUL C BAUSCH3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $54 | — | $54 | 0.24% |
| WILLIAM E BRENNAN3 | PO BOX 311 SOUTHFIELDS, NC 10975 | AFLAC | $45 | — | $45 | 0.20% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $18 | — | $18 | 0.08% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $10 | — | $10 | 0.04% |
| WILLIAM E BRENNAN3 | PO BOX 311 SOUTHFIELDS, NY 10975 | AFLAC | $10 | — | $10 | 0.04% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NC 10940 | AFLAC | $2 | $5 | $7 | 0.03% |
| THOMAS FLORES3 Filed as: THOMAS E FLORES | 2030 HUDSON STREET APT 942 FORT LEE, NJ 07024 | AFLAC | $5 | — | $5 | 0.02% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN ROAD PHOENIX, CT 85023 | AFLAC | $4 | — | $4 | 0.02% |
| BRADLEY MADIGAN3 | 70 BRIXTON ROAD GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.01% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE ROAD NEWBURGH, NC 12550 | AFLAC | $0 | — | $0 | 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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 108 | $109K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 108 | $109K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 108 | $109K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 108 | $109K |
| Other(3 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 108 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.