| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAIME M. BAUM3 | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $28K | $3K | $30K | 7.89% |
| MJ INSURANCE3 Filed as: GARY LEE MARCUS AND VARIOUS AGENTS | 1225 MCFADDEN DRIVE EAST NORTHPORT, NY 11731 | AFLAC | $29K | $1K | $30K | 7.87% |
| ALLAN H. MARKOWITZ3 | 21996 SW TIVOLO WAY PORT SAINT LUCIE, FL 34986 | AFLAC | $12K | $854 | $13K | 3.35% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $10K | $1K | $11K | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 85 CHESTNUT RIDGE ROAD, SUITE 214 MONTVALE, NJ 07645 | AFLAC | $6K | $0 | $6K | 1.53% |
| JULIA RATKIEWICZ3 | 23 CHURCH STREET PORT JEFFERSON STATION, NY 11776 | AFLAC | $4K | $35 | $4K | 1.07% |
| DIANDRA STIPPEL3 | 1105 STATION WAY HUNTINGTON STATION, NY 11746 | AFLAC | $3K | $410 | $3K | 0.90% |
| UNKNOWN3 | UNKNOWN NEW HYDE PARK, NC 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 2.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $0 | $8K | $8K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $1K | $393 | $2K | 9.00% |
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 | 597 | 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) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 532 | $343K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 810 | $19K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 504 | $671K |
| Short-term disability | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 392 | $287K |
| Long-term disability | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 392 | $287K |
| Other(2 contracts, 2 carriers) | AFLAC | 504 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.