| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN ENTERPRISES INC3 | 6 MARIONS LANE NORTHPORT, NY 11768 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.91% |
| DONALD C SAVOY INC3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 4.95% |
| JUSTIN ENTERPRISES INC3 | 6 MARIONS LANE FORT SALONGA, NY 11768 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.72% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 6.13% |
| JMA CONSULTING INC.3 Filed as: JMA CONSULTING SERVICES CORP | 2 ADRIAN AVE APT 24C BRONX, NY 10463 | AFLAC | $2K | — | $2K | 7.74% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NC 10940 | AFLAC | $351 | — | $351 | 1.24% |
| JASON D HARTMAN3 | 10 LAKE ST SUITE 2 MONROE, NY 10950 | AFLAC | $319 | — | $319 | 1.13% |
| KEVIN B SWEENEY3 | 426 EMINENCE ROAD SUMMIT, NY 12175 | AFLAC | $72 | — | $72 | 0.25% |
| JUSTIN ENTERPRISES INC3 | 6 MARIONS LANE FORT SALONGA, NY 11768 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.81% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| JMA CONSULTING INC.3 Filed as: JMA CONSULTING SERVICES CORP | 2 ADRIAN AVE APT 24C BRONX, NY 10463 | AFLAC | $1K | — | $1K | 5.89% |
| KEVIN B SWEENEY3 | 426 EMINENCE ROAD SUMMIT, NC 12175 | AFLAC | $386 | — | $386 | 1.65% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SIRACUSA | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $302 | — | $302 | 1.29% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NC 10950 | AFLAC | $289 | — | $289 | 1.23% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $52 | — | $52 | 0.22% |
| WILLIAM E BRENNAN3 Filed as: WILLIAM BRENNAN | PO BOX 311 SOUTHFIELDS, NY 10975 | AFLAC | $36 | — | $36 | 0.15% |
| PAUL C BAUSCH3 Filed as: PAUL BAUSCH | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $35 | — | $35 | 0.15% |
| RANDI E RIVA3 Filed as: RANDI RIVA | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $20 | — | $20 | 0.09% |
| VINCENT KRILL3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $16 | — | $16 | 0.07% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $11 | — | $11 | 0.05% |
| TOMAS FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $6 | — | $6 | 0.03% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN ROAD PHOENIX, CT 85023 | AFLAC | $2 | — | $2 | 0.01% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $0 | — | $0 | 0.00% |
| JUSTIN ENTERPRISES INC3 | 6 MARIONS LANE FORT SALONGA, NY 11768 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $445 | — | $445 | 11.26% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $150 | $150 | 3.79% |
| JUSTIN ENTERPRISES INC3 | 6 MARIONS LANE FORT SALONGA, NY 11768 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $99 | — | $99 | 10.05% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $49 | $49 | 4.97% |
| JUSTIN ENTERPRISES INC3 | 6 MARIONS LANE FORT SALONGA, NY 11768 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $99 | — | $99 | 10.05% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $49 | $49 | 4.97% |
| JUSTIN ENTERPRISES INC3 | 6 MARIONS LANE FORT SALONGA, NY 11768 | CIGNA DENTAL HEALTH OF CONNECTICUT, INC. | $99 | — | $99 | 10.05% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF CONNECTICUT, INC. | — | $49 | $49 | 4.97% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $90K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $87K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $58K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $24K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $114K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.