| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62K | $26K | $88K | 10.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $937 | $255 | $1K | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 9.85% |
| WILLIAM P. HILL3 | 7 HIGH STREET, SUITE 308 HUNTINGTON, NY 11743 | AFLAC | $2K | $215 | $2K | 11.23% |
| ANTHONY ALGERIO3 | 7 HIGH STREET, SUITE 308 HUNTINGTON, NY 11743 | AFLAC | $244 | $157 | $401 | 2.36% |
| RICHARD PETERSON3 Filed as: RICHARD D. PETERSON | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $304 | $78 | $382 | 2.25% |
| SUSAN FRAIN WOOD3 | PO BOX 502 STURBRIDGE, MA 01566 | AFLAC | $21 | $0 | $21 | 0.12% |
| BRIAN STEBBINS3 Filed as: BRIAN W. POWELL | 10 SUNSET ROAD HOLYOKE, MA 01040 | AFLAC | $11 | $0 | $11 | 0.06% |
| MICHAEL J LAMOUREUX3 Filed as: MICHAEL J. LAMOUREUX | 2205 BOSTON ROAD, SUITE P157 WILBRAHAM, MA 01095 | AFLAC | $6 | $0 | $6 | 0.04% |
| MJ INSURANCE3 Filed as: DANIEL P. CLARK AND VARIOUS AGENTS | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $2 | $0 | $2 | 0.01% |
| WILLIAM P. HILL3 | 7 HIGH STREET, SUITE 308 HUNTINGTON, NY 11743 | AFLAC | $868 | $0 | $868 | 6.90% |
| MJ INSURANCE3 Filed as: ELAINE DOBSON AND VARIOUS AGENTS | 4 IRVING PLACE GREENLAWN, NY 11740 | AFLAC | $252 | $0 | $252 | 2.00% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $198 | $0 | $198 | 1.57% |
| AMARAH BRYS3 | 7 HIGH STREET, SUITE 308 HUNTINGTON, NY 11743 | AFLAC | $193 | $0 | $193 | 1.53% |
| DEANA BRENNAN3 Filed as: DEANA BRENNAN, INC. | 176 MAIN STREET GOSHEN, NY 10924 | AFLAC | $83 | $0 | $83 | 0.66% |
| ANTHONY ALGERIO3 | 7456 STATE HIGHWAY 5 SAINT JOHNSVILLE, NY 13452 | AFLAC | $71 | $0 | $71 | 0.56% |
| NANCY E. MOFFETT3 | 6 GABRIEL COURT GREENLAWN, NY 11740 | AFLAC | $56 | $0 | $56 | 0.45% |
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 | 1,003 | 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) | 1,003 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $820K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $820K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $820K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 672 | $820K |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,003 | $930K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,003 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.