| 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 | $115K | $2K | $116K | 23.66% |
| 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 | — | $9K | 6.96% |
| 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 | $2K | $919 | $3K | 17.71% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.23% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $8 | $8 | 0.05% |
| KEVIN CARTY3 | 10 DINGLEY RD CARMEL, NY 10512 | AFLAC | $188 | — | $188 | 4.02% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $37 | — | $37 | 0.79% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $24 | — | $24 | 0.51% |
| ROCO SOLUTIONS LLC3 | 100 STONY BROOK CT #2 NEWBURGH, NY 12550 | AFLAC | $19 | — | $19 | 0.41% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $18 | — | $18 | 0.38% |
| RICHARD JOSEPH3 | 34 PONDVIEW DR CONGERS, NY 10920 | AFLAC | $18 | — | $18 | 0.38% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $11 | — | $11 | 0.23% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $5 | — | $5 | 0.11% |
| AMANDA GRABANICA3 | 7 COLONIAL RD SCARSDALE, NY 10583 | AFLAC | $3 | — | $3 | 0.06% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $1 | — | $1 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 101 PARK AVE 12TH FLOOR NEW YORK, NY 10178 | COMMERCIAL TRAVELERS | $409 | — | $409 | 10.00% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 18TH FLOOR NEW YORK, NY 10005 | THE PAUL REVERE LIFE INSURANCE COMPANY | $48 | — | $48 | 3.54% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | — | $27 | 1.99% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | — | $19 | 1.40% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK RD BETHLEHEM, PA 18020 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.44% |
| FRANK E BERGMAN3 | 36 BENJAMIN ROAD TENAFLY, NJ 07670 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 18TH FLOOR NEW YORK, NY 10005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 2.96% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.71% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 1.25% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK RD BETHLEHEM, PA 18020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.47% |
| FRANK E BERGMAN3 | 36 BENJAMIN ROAD TENAFLY, NJ 07670 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.16% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $492K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 101 | $135K |
| Vision | COMMERCIAL TRAVELERS | 121 | $4K |
| Life insurance(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $40K |
| Short-term disability(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 125 | $22K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $35K |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.