| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN ENTERPRISES INC3 | 6 MARIONS LANE NORTHPORT, NY 11768 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.20% |
| DONALD C SAVOY INC3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 308 HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | -$12 | -$12 | -0.01% |
| MATTHEW FUSCO3 | 1660 WALT WHITMAN RD MELVILLE, NY 11747 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | -$28 | $0 | -$28 | -0.02% |
| JMA CONSULTING INC.3 Filed as: JMA CONSULTING SERVICES CORP | 2 ADRIAN AVE APT 24C BRONX, NY 10463 | AFLAC | $3K | $0 | $3K | 8.03% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NC 10940 | AFLAC | $351 | $0 | $351 | 1.09% |
| JASON D HARTMAN3 | 10 LAKE ST SUITE 2 MONROE, NY 10950 | AFLAC | $319 | $0 | $319 | 0.99% |
| KEVIN B SWEENEY3 | 426 EMINENCE ROAD SUMMIT, NY 12175 | AFLAC | $85 | $0 | $85 | 0.26% |
| JMA CONSULTING INC.3 Filed as: JMA CONSULTING SERVICES CORP | 2 ADRIAN AVE APT 24C BRONX, NY 10463 | AFLAC | $1K | $20 | $1K | 5.51% |
| KEVIN B SWEENEY3 | 426 EMINENCE ROAD SUMMIT, NC 12175 | AFLAC | $514 | $0 | $514 | 1.89% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NC 10950 | AFLAC | $331 | $0 | $331 | 1.22% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SIRACUSA | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $319 | $5 | $324 | 1.19% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $66 | $0 | $66 | 0.24% |
| DEANA BRENNAN3 | 2364 STATE ROUTE 17A GOSHEN, NY 10924 | AFLAC | $59 | $0 | $59 | 0.22% |
| PAUL C BAUSCH3 Filed as: PAUL BAUSCH | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $59 | $0 | $59 | 0.22% |
| RANDI E RIVA3 Filed as: RANDI RIVA | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $20 | $0 | $20 | 0.07% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $11 | $0 | $11 | 0.04% |
| VINCENT KRILL3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $3 | $5 | $8 | 0.03% |
| TOMAS FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $6 | $0 | $6 | 0.02% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN ROAD PHOENIX, CT 85023 | AFLAC | $5 | $0 | $5 | 0.02% |
| BRADLEY MADIGAN3 | 70 BRIXTON ROAD GARDEN CITY, NY 11530 | AFLAC | $3 | $0 | $3 | 0.01% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE ROAD NEWBURGH, NC 12550 | AFLAC | $0 | $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 | 146 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 146 | $134K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 146 | $134K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 146 | $134K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 146 | $134K |
| Other(3 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 146 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.