| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFITS ANDFINANCIAL SERV | ONEINTERNATIONAL BLVD MAHWAH, NJ 07495 | EMPIRE HEALTHCHOICE ASSURANCE, INC. (G1921) | $149K | — | $149K | 4.54% |
| CAPACITY BENEFITS AND FINANCIAL3 Filed as: CAPACITY BENEFITS & FINANCIAL | ONE INTERNATIONAL BLVD. SUITE 300 MAHWAH, NJ 07495 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $10K | $28K | 7.31% |
| CAPACITY BENEFITS AND FINANCIAL3 | ONE BLUE HILL PLAZA PEARL RIVER, NY 10965 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $7K | 3.22% |
| JEM DIRECT INC3 | 1 BLUE HILL PLZ 1535 PEARL RIVER, NY 10965 | AFLAC | $3K | $253 | $3K | 6.18% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS &FIN SERV GRP LLC | 1 INTERNATIONAL BLVD MAHWAH, NJ 07495 | AFLAC | $1K | — | $1K | 3.12% |
| BRUCE G HILLYER3 | 8 HARVARD DR CARMEL, NY 10512 | AFLAC | $947 | — | $947 | 2.05% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $220 | $59 | $279 | 0.61% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL ST NEW YORK, NY 10005 | AFLAC | $219 | — | $219 | 0.48% |
| BRIAN FAIN3 | 54 THIMBLE FARM RD BRANFORD, CT 06405 | AFLAC | $118 | — | $118 | 0.26% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $105 | — | $105 | 0.23% |
| ROCO SOLUTIONS LLC3 | 100 STONY BROOK CT #2 NEWBURGH, NY 12550 | AFLAC | $97 | — | $97 | 0.21% |
| WENDY CALIENDO3 | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $89 | — | $89 | 0.19% |
| CHRISTOPHER GURNEE3 | 34 SALK DR HIGHLAND, NY 12528 | AFLAC | $82 | — | $82 | 0.18% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $80 | — | $80 | 0.17% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 5885 MEADOWS RD STE 320 LAKE OSWEGO, OR 97035 | AFLAC | $79 | — | $79 | 0.17% |
| ALAN P FABRICANT3 | C/O NATIONAL PLANNING CORP 3859 NEWHAVEN LAKE DR WELLINGTON, FL 33449 | AFLAC | $79 | — | $79 | 0.17% |
| GINA L BELLO3 | PO BOX 11323 NAPLES, FL 34108 | AFLAC | $65 | — | $65 | 0.14% |
| DONALD FINK3 | 9 PATRICIA DR NEW CITY, NY 10956 | AFLAC | $63 | — | $63 | 0.14% |
| AMANDA GRABANICA3 | 7 COLONIAL RD SCARSDALE, NY 10583 | AFLAC | $63 | — | $63 | 0.14% |
| ANDBEE CORP3 | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $58 | — | $58 | 0.13% |
| LOUIS R FAIOLA3 | 12 HAAWK CT DELMAR, NY 12054 | AFLAC | $44 | — | $44 | 0.10% |
| MICHAEL T REYES3 | 250 WINTON RD FAIRFIELD, CT 06824 | AFLAC | $38 | — | $38 | 0.08% |
| LAURA MARIE SMITH3 | 20 DAVIS HILL RD STORMVILLE, NY 12582 | AFLAC | $36 | — | $36 | 0.08% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $35 | — | $35 | 0.08% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $33 | — | $33 | 0.07% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $29 | — | $29 | 0.06% |
| JENNIFER DELIA3 | 3 BLAUVELT RD BLAUVELT, NY 10913 | AFLAC | $21 | — | $21 | 0.05% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $18 | — | $18 | 0.04% |
| MATTHEW G BERGER3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $16 | — | $16 | 0.03% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $15 | — | $15 | 0.03% |
| LOUIS C CURTO3 | 135 EASTLAKE CLUB DR OLDMAR, FL 34677 | AFLAC | $8 | — | $8 | 0.02% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $5 | — | $5 | 0.01% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $5 | — | $5 | 0.01% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $5 | — | $5 | 0.01% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.00% |
| THE MEYER AGENCY LTD3 | PO BOX 112829 NAPLES, FL 34108 | AFLAC | $2 | — | $2 | 0.00% |
| TOMAS E FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $2 | — | $2 | 0.00% |
| BINA MAMPILLY3 | 11 ALLEGANY AVE NYACK, NY 10960 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT JAMES LAMB3 | 181 DEEPWOOD DRIVE GUILFORD, CT 06437 | AFLAC | $1 | — | $1 | 0.00% |
| THE D B L CENTER LTD3 Filed as: THE D.B.L. CENTER, LTD | 155 PINELAWN RD STE 120S MELVILLE, NY 11747 | VISION SERVICE PLAN | $1K | — | $1K | 5.31% |
| CAPACITY BENEFITS AND FINANCIAL3 Filed as: CAPACITY BENEFITS & FINANCIAL | SERVICES 1 BLUE HILL PLZ STE 1689 PEARL RIVER, NY 10965 | VISION SERVICE PLAN | $1K | — | $1K | 5.26% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. (G1921) | 293 | $3.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 477 | $386K |
| Vision | VISION SERVICE PLAN | 268 | $26K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 477 | $386K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 543 | $228K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 477 | $386K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 477 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.