| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $40K | $0 | $40K | 6.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 2.38% |
| WILLIAM P. HILL3 | 7 HIGH STREET, SUITE 308 HUNTINGTON, NY 11743 | AFLAC | $11K | $4K | $15K | 13.96% |
| ANTHONY ALGERIO3 | 7 HIGH STREET, SUITE 308 HUNTINGTON, NY 11743 | AFLAC | $3K | $491 | $3K | 3.17% |
| RICHARD PETERSON3 Filed as: RICHARD D. PETERSON | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $2K | $100 | $2K | 2.00% |
| SUSAN FRAIN WOOD3 | PO BOX 502 STURBRIDGE, MA 01566 | AFLAC | $54 | $0 | $54 | 0.05% |
| BRIAN STEBBINS3 Filed as: BRIAN W. POWELL | 10 SUNSET ROAD HOLYOKE, MA 01040 | AFLAC | $29 | $0 | $29 | 0.03% |
| AMARAH BRYS3 | 7 HIGH STREET, SUITE 308 HUNTINGTON, NY 11743 | AFLAC | $26 | $0 | $26 | 0.02% |
| MICHAEL J LAMOUREUX3 Filed as: MICHAEL LAMOUREUX AND OTHER AGENTS | 2205 BOSTON ROAD, SUITE P157 WILBRAHAM, MA 01095 | AFLAC | $22 | $0 | $22 | 0.02% |
| WILLIAM P. HILL3 | 7 HIGH STREET, SUITE 308 HUNTINGTON, NY 11743 | AFLAC | $5K | $138 | $5K | 7.57% |
| AMARAH BRYS3 | 7 HIGH STREET, SUITE 308 HUNTINGTON, NY 11743 | AFLAC | $2K | $74 | $2K | 2.32% |
| WILLIAM E BRENNAN3 Filed as: WILLIAM E. BRENNAN AND OTHER AGENTS | PO BOX 311 SOUTHFIELDS, NY 10975 | AFLAC | $2K | $18 | $2K | 2.25% |
| RICHARD PETERSON3 Filed as: RICHARD D. PETERSON | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $1K | $66 | $1K | 1.77% |
| ANTHONY ALGERIO3 | 7456 STATE HIGHWAY 5 SAINT JOHNSVILLE, NY 13452 | AFLAC | $562 | $94 | $656 | 0.91% |
| DEANA BRENNAN3 Filed as: DEANA BRENNAN, INC. | 176 MAIN STREET GOSHEN, NY 10924 | AFLAC | $600 | $0 | $600 | 0.83% |
| JENNIFER SUSAN LUNA3 | 333 EAST 54TH STREET, SUITE 3C NEW YORK, NY 10022 | AFLAC | $401 | $30 | $431 | 0.60% |
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 | 947 | 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) | 947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 696 | $646K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 696 | $646K |
| Short-term disability(2 contracts) | AFLAC | 74 | $179K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 696 | $646K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 947 | $842K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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.