| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEN EYCK INSURANCE AGENCY INC.3 | 1924 WESTERN AVENUE ALBANY, NY 12203 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN, INC. | $4K | $0 | $4K | 4.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $935 | $13K | 15.78% |
| JOSEPH P. FALK3 | STE 302 4851 TAMIAMI TRL N. NAPLES, FL 34103 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $5K | $1K | $7K | 9.26% |
| RUSSO GROUP LLC3 | 875 3RD AVE., FL 23 NEW YORK, NY 10022 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $426 | $51 | $477 | 0.66% |
| STRIANO FNCL GRP LLC3 Filed as: STRIANO FINANCIAL GROUP LLC | STE 208 1515 S. FEDERAL HWY BOCA RATON, FL 33432 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $325 | $117 | $442 | 0.61% |
| STRAINO FINANCIAL GROUP LLC3 | STE 208 1515 S. FEDERAL HWY BOCA RATON, FL 33432 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $324 | $39 | $363 | 0.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.40% |
| AARON BERG3 Filed as: AARON B. BERG | 100 VALLEY ROAD SUITE 101 MOUNT ARLINGTON, NJ 07856 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.60% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 100 NW 62ND ST. STE 1020 FT. LAUDERDALE, FL 33309 | AFLAC | $175 | $0 | $175 | 0.45% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE. BETHESDA, MD 20814 | AFLAC | $113 | $0 | $113 | 0.29% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY D. HARDIE | 14 WALL ST. STE 8C NEW YORK, NY 10005 | AFLAC | $103 | $0 | $103 | 0.26% |
| TREVOR FENNELL3 Filed as: TREVOR R. FENNELL | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $87 | $0 | $87 | 0.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER | 2640 LAKE SHORE DR., UNIT 411 RIVIERA BEACH, FL 33404 | AFLAC | $75 | $0 | $75 | 0.19% |
| JANINE M. FEELEY3 | 28 LAURELTON AVE. LAKE GROVE, NY 11755 | AFLAC | $65 | $0 | $65 | 0.17% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $61 | $0 | $61 | 0.16% |
| DAVID MORNINGSTAR3 Filed as: DAVID G. MORNINGSTAR | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | AFLAC | $60 | $0 | $60 | 0.15% |
| BRIAN WHITE3 Filed as: BRIAN M. WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $19 | $0 | $19 | 0.05% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HWY STE 1015W HOLBROOK, NY 11741 | AFLAC | $13 | $0 | $13 | 0.03% |
| S BEIN INC3 Filed as: S. BEIN INC. | 8676 SW CARRARA WAY PORT ST. LUCIE, FL 34987 | AFLAC | $12 | $0 | $12 | 0.03% |
| TODD J BURKE CORP3 Filed as: TODD BURKE | 199 WATER ST. FL. 23 NEW YORK, NY 10038 | AFLAC | $9 | $0 | $9 | 0.02% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DR. NEW CITY, NY 10956 | AFLAC | $6 | $0 | $6 | 0.02% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE RD. SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | $0 | $6 | 0.02% |
| YAHVIER SANCHEZ3 | 27 HALLOCK AVE. SMITHTOWN, NY 11787 | AFLAC | $3 | $0 | $3 | 0.01% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR. NEW ROCHELLE, NY 10804 | AFLAC | $3 | $0 | $3 | 0.01% |
| JENNIFER DESTEFANO-CAMACHO3 | 41 HOMESTEAD LANE LEVITTOWN, NY 11756 | AFLAC | $1 | $0 | $1 | 0.00% |
| TEN EYCK INSURANCE AGENCY INC.3 | 1924 WESTERN AVENUE ALBANY, NY 12203 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN, INC. | $380 | $0 | $380 | 3.88% |
| TEN EYCK INSURANCE AGENCY INC.3 | 1924 WESTERN AVENUE ALBANY, NY 12203 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $516 | $0 | $516 | 6.53% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN, INC. | 9 | $101K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 61 | $63K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $81K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $81K |
| Long-term disability | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 136 | $73K |
| Stop-loss / reinsurancereinsurance | NIAGARA LIFE AND HEALTH INSURANCE | 87 | $430K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.