| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 MADISON AVENUE, 28TH FLOOR NEW YORK, NY 10177 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $10K | $26K | 7.70% |
| SAM M. JAKOBS3 Filed as: SAM JAKOBS | 3098 DRIFTWOOD LANE BELLMORE, NY 11710 | AFLAC | $9K | $0 | $9K | 4.93% |
| DONALD ERIC HOYER3 | 44 REYNOLDS DRIVE LIDO BEACH, NY 11561 | AFLAC | $6K | $316 | $7K | 3.53% |
| YOLANDA CANDELARIA AND OTHER AGENTS3 | 52 WATERVILLE DRIVE SOUND BEACH, NY 11789 | AFLAC | $5K | $165 | $5K | 2.56% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $3K | $0 | $3K | 1.37% |
| DANIEL GLASS3 | 86 HAMPSHIRE ROAD GREAT NECK, NY 11023 | AFLAC | $2K | $388 | $2K | 1.16% |
| EDWARD ASSAF3 Filed as: EDWARD B. ASSAF | 51 ROYDON DRIVE EAST NORTH MERRICK, NY 11566 | AFLAC | $2K | $333 | $2K | 1.15% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $2K | $185 | $2K | 1.09% |
| MJ INSURANCE3 Filed as: DANIEL GLASS AND VARIOUS AGENTS | 200 GARDEN CITY PLAZA, SUITE 200 GARDEN CITY, NY 11530 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.80% |
| DANIELLE SONNENBERG3 | 215 WILLOW AVENUE ITHACA, NY 14850 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.96% |
| EPSIX, INC.3 | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.58% |
| PEREGRINE CONSULTING LLC3 Filed as: PEREGRINE CONSULTING, LLC | 162 BODINE ROAD BERWYN, PA 19312 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.49% |
| DONALD ERIC HOYER3 Filed as: DONALD HOYER | 46 HERON STREET LONG BEACH, NY 11561 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| SAM M. JAKOBS3 | 3098 DRIFTWOOD LANE BELLMORE, NY 11710 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.75% |
| EDWARD ASSAF3 Filed as: EDWARD B. ASSAF | 51 ROYDON DRIVE EAST NORTH MERRICK, NY 11566 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $999 | $0 | $999 | 1.18% |
| DONALD ERIC HOYER3 | 44 REYNOLDS DRIVE LIDO BEACH, NY 11561 | AFLAC | $1K | $239 | $2K | 12.83% |
| DANIEL GLASS3 | 86 HAMPSHIRE ROAD GREAT NECK, NY 11023 | AFLAC | $886 | $246 | $1K | 8.82% |
| EDWARD ASSAF3 Filed as: EDWARD B. ASSAF | 51 ROYDON DRIVE EAST NORTH MERRICK, NY 11566 | AFLAC | $581 | $134 | $715 | 5.57% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $298 | $83 | $381 | 2.97% |
| SAM M. JAKOBS3 | 9455 COLLINS AVENUE, SUITE 501 SURFSIDE, FL 33154 | AFLAC | $180 | $0 | $180 | 1.40% |
| MJ INSURANCE3 Filed as: MARCI COHEN AND VARIOUS AGENTS | 1155 SHORTLEAFE CIRCLE SYKESVILLE, MD 21784 | AFLAC | $72 | $0 | $72 | 0.56% |
| SHAUN M KLUG3 Filed as: SHAUN TOMPKINS | 251 LAKEVIEW AVENUE ROCKVILLE CENTRE, NY 11570 | AFLAC | $44 | $0 | $44 | 0.34% |
| DONALD ERIC HOYER3 | 44 REYNOLDS DRIVE LIDO BEACH, NY 11561 | AFLAC | $383 | $11 | $394 | 4.41% |
| EDWARD ASSAF3 Filed as: EDWARD B. ASSAF | 51 ROYDON DRIVE EAST NORTH MERRICK, NY 11566 | AFLAC | $282 | $44 | $326 | 3.65% |
| SAM M. JAKOBS3 | 9455 COLLINS AVENUE, SUITE 501 SURFSIDE, FL 33154 | AFLAC | $220 | $0 | $220 | 2.46% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $63 | $11 | $74 | 0.83% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $71 | $0 | $71 | 0.79% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J. TARI | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $31 | $0 | $31 | 0.35% |
| MJ INSURANCE3 Filed as: DANIEL GLASS AND VARIOUS AGENTS | 86 HAMPSHIRE ROAD GREAT NECK, NY 11023 | AFLAC | $22 | $6 | $28 | 0.31% |
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 | 2,269 | 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) | 2,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,269 | $420K |
| Short-term disability(3 contracts) | AFLAC | 167 | $210K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,269 | $336K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,269 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,269 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.