| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 32 OLD SLIP NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $118K | $2K | $120K | 25.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $838 | $10K | 7.60% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 32 OLD SLIP NEW YORK, NY 10005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $487 | $5K | 14.92% |
| KEVIN CARTY3 | 10 DINGLEY RD CARMEL, NY 10512 | AFLAC | $240 | — | $240 | 3.92% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $37 | — | $37 | 0.60% |
| ROCO SOLUTIONS LLC3 | 100 STONY BROOK CT #2 NEWBURGH, NY 12550 | AFLAC | $32 | — | $32 | 0.52% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $24 | — | $24 | 0.39% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $24 | — | $24 | 0.39% |
| RICHARD JOSEPH3 | 34 PONDVIEW DR CONGERS, NY 10920 | AFLAC | $18 | — | $18 | 0.29% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $11 | — | $11 | 0.18% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $6 | — | $6 | 0.10% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $5 | — | $5 | 0.08% |
| SUZANNE CARTY3 | 10 DINGLEY RD CARMEL, NY 10512 | AFLAC | $5 | — | $5 | 0.08% |
| AMANDA GRABANICA3 | 7 COLONIAL RD SCARSDALE, NY 10583 | AFLAC | $3 | — | $3 | 0.05% |
| TOMAS E FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.02% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $1 | — | $1 | 0.02% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 18TH FLOOR NEW YORK, NY 10005 | THE PAUL REVERE LIFE INSURANCE COMPANY | $320 | — | $320 | 5.50% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $211 | — | $211 | 3.63% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $134 | $36 | $170 | 2.92% |
| FRANK E BERGMAN3 | 36 BENJAMIN ROAD TENAFLY, NJ 07670 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | $83 | $108 | 1.86% |
| JOSEPH PEPITONE3 | 41 SPRINGHOUSE CIRCLE MANALAPAN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $69 | — | $69 | 1.19% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK RD BETHLEHEM, PA 18020 | THE PAUL REVERE LIFE INSURANCE COMPANY | $64 | $2 | $66 | 1.14% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | $2 | $22 | 0.38% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 18TH FLOOR NEW YORK, NY 10005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | — | $301 | 8.48% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $15 | $199 | 5.61% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $23 | $139 | 3.92% |
| JOSEPH PEPITONE3 | 41 SPRINGHOUSE CIRCLE MANALAPAN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 2.48% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $44 | $66 | 1.86% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK RD BETHLEHEM, PA 18020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $1 | $52 | 1.47% |
| FRANK E BERGMAN3 | 36 BENJAMIN ROAD TENAFLY, NJ 07670 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $11 | $34 | 0.96% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $472K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $137K |
| Vision | AFLAC | 4 | $6K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $42K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 4 | $10K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $38K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.