| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAIME M. BAUM3 | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $26K | $977 | $27K | 6.02% |
| MJ INSURANCE3 Filed as: JANINE M. FEELEY AND VARIOUS AGENTS | 28 LAURELTON AVENUE LAKE GROVE, NY 11755 | AFLAC | $24K | $993 | $25K | 5.71% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $11K | $628 | $11K | 2.58% |
| ALLAN H. MARKOWITZ3 | 21996 SW TIVOLO WAY PORT SAINT LUCIE, FL 34986 | AFLAC | $10K | $411 | $11K | 2.40% |
| JULIA RATKIEWICZ3 | 23 CHRUCH STREET PORT JEFFERSON STATION, NY 11776 | AFLAC | $6K | $214 | $6K | 1.46% |
| GIOVANNI ANTHONY CASSINO3 | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $5K | $94 | $5K | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 85 CHESTNUT RIDGE ROAD, SUITE 214 MONTVALE, NJ 07645 | AFLAC | $5K | $0 | $5K | 1.15% |
| UNKNOWN3 | UNKNOWN NEW HYDE PARK, NC 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 2.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | — | $9K | $9K | 3.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | $481 | $2K | 5.25% |
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 | 626 | 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) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 548 | $301K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 843 | $38K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 540 | $689K |
| Short-term disability | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 392 | $245K |
| Long-term disability | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 392 | $245K |
| Other(2 contracts, 2 carriers) | AFLAC | 540 | $689K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 843 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.