| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY INC. | 1 EMPIRE DRIVE RENSSELAER, NY 12144 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | $0 | $64K | 2.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 MADISON AVENUE, 28TH FLOOR NEW YORK, NY 10017 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | $0 | $54K | 1.85% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY INC. | 1 EMPIRE DRIVE RENSSELAER, NY 12144 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 6.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 784 TROY SCHENECTADY ROAD LATHAM, NY 12210 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $431 | $431 | 0.23% |
| MJ INSURANCE3 Filed as: SABRINA ORR AND VARIOUS AGENTS | 61 CARROLL STREET BRONX, NY 10464 | AFLAC | $1K | $0 | $1K | 3.87% |
| CHRISTIAN M TULLY3 Filed as: CHRISTIAN M. TULLY | 154 LAUREL ROAD EAST NORTHPORT, NY 11731 | AFLAC | $1K | $34 | $1K | 3.41% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $445 | $13 | $458 | 1.25% |
| BARBARA A. MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $385 | $0 | $385 | 1.05% |
| DAVID CUNNEELY3 | 7149 METROPOLITAN AVENUE APARTMENT 2D MIDDLE VILLAGE, NY 11379 | AFLAC | $326 | $5 | $331 | 0.90% |
| BIANCA SHANDS-CAYENNE3 | 98 POND HILL ROAD GREAT NECK, NY 11020 | AFLAC | $260 | $0 | $260 | 0.71% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $162 | $0 | $162 | 0.44% |
| CHRISTIAN M TULLY3 Filed as: CHRISTIAN M. TULLY | 154 LAUREL ROAD EAST NORTHPORT, NY 11731 | AFLAC | $1K | $0 | $1K | 7.49% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO AND OTHER AGENTS | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $510 | $0 | $510 | 3.40% |
| ROBERT NIVEYRO3 | PO BOX 2647 LUTZ, FL 33548 | AFLAC | $198 | $0 | $198 | 1.32% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $173 | $0 | $173 | 1.15% |
| MICHAEL GOLDSTEIN3 | 8823 RHEIMS ROAD BOCA RATON, FL 33496 | AFLAC | $118 | $0 | $118 | 0.79% |
| BARBARA A. MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $107 | $0 | $107 | 0.71% |
| DEANA BRENNAN3 Filed as: DEANA BRENNAN INC. | 2364 STATE ROUTE 17A GOSHEN, NY 10924 | AFLAC | $68 | $0 | $68 | 0.45% |
| CHRISTIAN M TULLY3 Filed as: CHRISTIAN M. TULLY | 154 LAUREL ROAD EAST NORTHPORT, NY 11731 | AFLAC | $192 | $0 | $192 | 2.82% |
| MJ INSURANCE3 Filed as: DAVID CUNNEELY AND VARIOUS AGENTS | 7149 METROPOLITAN AVENUE APARTMENT 2D MIDDLE VILLAGE, NY 11379 | AFLAC | $162 | $0 | $162 | 2.38% |
| BARBARA A. MEYER3 | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $124 | $0 | $124 | 1.82% |
| JAICYN SIMPSON3 | 13726 BEDELL STREET SPRINGFIELD GARDENS, NY 11413 | AFLAC | $78 | $0 | $78 | 1.14% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $55 | $0 | $55 | 0.81% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $54 | $0 | $54 | 0.79% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 31 STRATFORD GREEN FARMINGDALE, NY 11735 | AFLAC | $42 | $0 | $42 | 0.62% |
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 | 364 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $2.9M |
| Dental(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $2.9M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 364 | $191K |
| Short-term disability(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 364 | $250K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 364 | $191K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $2.9M |
| Other(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 364 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.