| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: CRISP, AN ALERA GROUP INSURANC | CAMPUS VIEW PLAZA 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.99% |
| INTERNL PLANNING ALL LLC3 | 300 BROADACRES DRIVE SUITE 175 BLOOMFIELD, NJ 07003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37 | — | $37 | 0.03% |
| DEGATI & ASSOCIATES INC3 | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $3K | $26 | $3K | 7.86% |
| RICHARD PETERSON3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $726 | $5 | $731 | 1.92% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $470 | $5 | $475 | 1.25% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $210 | — | $210 | 0.55% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $194 | — | $194 | 0.51% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN ROAD SUITE 190 MELVILLE, NM 11747 | AFLAC | $92 | — | $92 | 0.24% |
| MARTIN F. CONROY3 | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $73 | — | $73 | 0.19% |
| JEFF SCHONSKY3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $36 | — | $36 | 0.09% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $13 | — | $13 | 0.03% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $12 | — | $12 | 0.03% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $12 | — | $12 | 0.03% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $9 | — | $9 | 0.02% |
| JOSEPH C RONDONE3 | 119 OWLS NEST COURT MANORVILLE, NY 11949 | AFLAC | $5 | — | $5 | 0.01% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $931 | $3K | 14.28% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | COMPANION LIFE INSURANCE COMPANY | $2K | $754 | $2K | 14.34% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | COMPANION LIFE INSURANCE COMPANY | $571 | $242 | $813 | 14.23% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | MUTUAL OF OMAHA INSURANCE COMPANY | $66 | $28 | $94 | 14.33% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $108K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $108K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 172 | $24K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 171 | $22K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 132 | $408K |
| Other(3 contracts, 3 carriers) | AFLAC | 29 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.