| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA MICHAEL | UNKNOWN ROOSEVELT, NY 11575 | EMBLEMHEALTH | $88K | $0 | $88K | 3.82% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | EMPIRE HEALTHCHOICE HMO, INC. | $8K | $0 | $8K | 2.08% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | EMPIRE HEALTHCHOICE HMO, INC. | $3K | $0 | $3K | 0.82% |
| JAMES F. OSBORNE JR.3 Filed as: JAMES F. OSBORNE | 1714 GRANDVIEW AVENUE WESTFIELD, NJ 07090 | EMPIRE HEALTHCHOICE HMO, INC. | -$7K | $0 | -$7K | -1.86% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $6K | $40K | 14.10% |
| MAXINE GANTMAN3 | 25 FRANKLIN BOULEVARD APARTMENT 4N LONG BEACH, NY 11561 | AFLAC | $1K | $0 | $1K | 5.34% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $570 | $0 | $570 | 2.66% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $273 | $0 | $273 | 1.27% |
| MJ INSURANCE3 Filed as: JAMES GRIMES AND VARIOUS AGENTS | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $230 | $0 | $230 | 1.07% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER INC. | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $195 | $0 | $195 | 0.91% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $116 | $0 | $116 | 0.54% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6165 WATERFORD ROAD COLUMBUS, GA 11530 | AFLAC | $66 | $0 | $66 | 0.31% |
| MAXINE GANTMAN3 | 25 FRANKLIN BOULEVARD APARTMENT 4N LONG BEACH, NY 11561 | AFLAC | $207 | $0 | $207 | 5.17% |
| BARBARA FONTI | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $118 | $3 | $121 | 3.02% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER INC. | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $47 | $0 | $47 | 1.17% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $46 | $0 | $46 | 1.15% |
| MJ INSURANCE3 Filed as: JAMES GRIMES AND VARIOUS AGENTS | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $31 | $0 | $31 | 0.77% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANDLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $26 | $0 | $26 | 0.65% |
| ROBERT THOMAS JENSEN3 Filed as: ROBERT FONTI | 40 SPRING HILL ROAD COLD SPRING HARBOR, NY 11724 | AFLAC | $19 | $0 | $19 | 0.47% |
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 | 686 | 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) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 275 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 707 | $286K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 707 | $286K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 707 | $286K |
| Prescription drug(2 contracts, 2 carriers) | EMBLEMHEALTH | 275 | $2.7M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 707 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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."
No prospect flags tripped on this filing.