| 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 | $5K | — | $5K | 4.60% |
| INTERNAL PLANNING ALL LLC3 | 300 BROADACRES DRIVE SUITE 175 BLOOMFIELD, NJ 07003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $110 | — | $110 | 0.11% |
| DEGATI & ASSOCIATES INC3 | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $5K | $404 | $5K | 12.25% |
| RICHARD PETERSON3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $976 | $81 | $1K | 2.53% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $656 | $81 | $737 | 1.77% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $350 | — | $350 | 0.84% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $227 | — | $227 | 0.54% |
| MARTIN F. CONROY3 Filed as: MARTIN CONROY | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $83 | — | $83 | 0.20% |
| JEFF SCHONSKY3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $36 | — | $36 | 0.09% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $17 | — | $17 | 0.04% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $15 | — | $15 | 0.04% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $14 | — | $14 | 0.03% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $9 | — | $9 | 0.02% |
| JOSEPH C RONDONE3 Filed as: JOSEPH RONDONE | 119 OWLS NEST COURT MANORVILLE, NY 11949 | AFLAC | $8 | — | $8 | 0.02% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $694 | $3K | 13.37% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BOULEVARD SUITE 1 WRENTHAM, MA 02093 | MUTUAL OF OMAHA INSURANCE COMPANY | — | -$26 | -$26 | -0.13% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | COMPANION LIFE INSURANCE COMPANY | $2K | $526 | $2K | 13.18% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BOULEVARD SUITE 1 WRENTHAM, MA 02093 | COMPANION LIFE INSURANCE COMPANY | — | -$36 | -$36 | -0.22% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | COMPANION LIFE INSURANCE COMPANY | $535 | $185 | $720 | 13.45% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BOULEVARD SUITE 1 WRENTHAM, MA 02093 | COMPANION LIFE INSURANCE COMPANY | — | -$6 | -$6 | -0.11% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | MUTUAL OF OMAHA INSURANCE COMPANY | $62 | $21 | $83 | 13.50% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BOULEVARD SUITE 1 WRENTHAM, MA 02093 | MUTUAL OF OMAHA INSURANCE COMPANY | — | -$1 | -$1 | -0.16% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $99K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $99K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 152 | $22K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 151 | $21K |
| Stop-loss / reinsurancereinsurance | GUARDIAN LIFE | 127 | $409K |
| Other(3 contracts, 3 carriers) | AFLAC | 152 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.