| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRISP INSURANCE ADVISORS LLC3 | CAMPUS VIEW PLAZA 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.11% |
| INTERNAL PLANNING ALL LLC3 | 300 BROADACRES DRIVE SUITE 175 BLOOMFIELD, NJ 07003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50 | — | $50 | 0.08% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $700 | $3K | 13.59% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS | 100 STONEWALL BLVD STE 1 WRENTHAM, MA 02093 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $616 | $616 | 3.16% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 STE 201 BRANCHBURG, NJ 08876 | COMPANION LIFE INSURANCE COMPANY | $2K | $654 | $2K | 14.33% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BLVD SUITE 1 WRENTHAM, MA 02093 | COMPANION LIFE INSURANCE COMPANY | — | $575 | $575 | 3.81% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | COMPANION LIFE INSURANCE COMPANY | $522 | $193 | $715 | 13.68% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BLVD SUITE 1 WRENTHAM, MA 02093 | COMPANION LIFE INSURANCE COMPANY | — | $170 | $170 | 3.25% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | MUTUAL OF OMAHA INSURANCE COMPANY | $60 | $22 | $82 | 13.67% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BLVD STE 1 WRENTHAM, MA 02093 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $19 | $19 | 3.17% |
| DEGATI & ASSOCIATES INC3 | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $5K | $61 | $5K | — |
| RICHARD PETERSON3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $1K | $12 | $1K | — |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $502 | $12 | $514 | — |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $438 | — | $438 | — |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER CORPORATION | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $278 | — | $278 | — |
| MARTIN F. CONROY3 Filed as: MARTIN F CONROY | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $108 | — | $108 | — |
| JEFF SCHONSKY3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $36 | — | $36 | — |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $25 | — | $25 | — |
| TODD J BURKE CORP3 Filed as: TODD J BURKE CORPORATION | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $19 | — | $19 | — |
| BENITO A ROTONDI II INC3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $19 | — | $19 | — |
| JOSEPH C RONDONE3 | 119 OWLS NEST COURT MANORVILLE, NY 11949 | AFLAC | $12 | — | $12 | — |
| THE MEYER AGENCY LTD3 Filed as: THE MEYER AGENCY LIMITED | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $10 | — | $10 | — |
| EFREN SANTANA3 | 26217 FRANCIS LEWIS BOULEVARD ROSEDALE, NY 11422 | AFLAC | $6 | — | $6 | — |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 66 | $66K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 148 | $5K |
| Short-term disability | AFLAC | 37 | $0 |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 147 | $19K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 148 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.