| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 6.69% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS AVE BLVD. SUITE 200 HAUPPAUGE, NY 11788 | GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.69% |
| AARON BERG3 Filed as: AARON BERG C/O PENTECH | 100 VALLEY ROAD SUITE 101 MOUNT ARLINGTON, NJ 07856 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.41% |
| CERTIFIED FINANCIAL SERVICES3 Filed as: CERTIFIED FINANCIAL SERVICE | 52 FOREST AVENUE PARAMUS, NJ 07652 | GUARDIAN LIFE INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| JOSEPH P. FALK3 | 875 3RD AVE. FL. 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $4K | $859 | $5K | 8.15% |
| RUSSO GROUP LLC3 | 875 3RD AVE. FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $912 | $113 | $1K | 1.68% |
| COURTENAY LEE AMERLING3 | 26 TERRAACE ROAD KATONAH, NY 10536 | AFLAC | $3K | $132 | $3K | 6.11% |
| ANTHONY ORGERA3 Filed as: ANTHONY ORGERA INC. | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $962 | $27 | $989 | 2.11% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY DAY ASSOCIATES, LLC | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $597 | — | $597 | 1.28% |
| TREVOR FENNELL3 | 820 N. ORLEANS STREET SUITE 405 CHICAGO, IL 60610 | AFLAC | $518 | $26 | $544 | 1.16% |
| KENNETH MEIER3 Filed as: KENNETH MEIER CORP. | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $367 | $27 | $394 | 0.84% |
| KIM HAMMOND3 | 1 BANK STREET, APT. 5L NEW YORK, NY 10014 | AFLAC | $235 | — | $235 | 0.50% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE. BETHESDA, MD 20814 | AFLAC | $217 | — | $217 | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVE, APT. 3D BROOKLYN, NY 11209 | AFLAC | $203 | — | $203 | 0.43% |
| SPAOLILLO CORP3 Filed as: SPAOLILLO CORP. | 6707 TENTH AVE. BROOKLYN, NY 11219 | AFLAC | $128 | — | $128 | 0.27% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | AFLAC | $116 | — | $116 | 0.25% |
| TIMOTHY CAVAZOS3 | 401 FRANKLIN AVE. SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.00% |
| AARON BERG3 | 100 VALLEY ROAD SUITE 101 MOUNT ARLINGTON, NJ 07856 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $3K | $3K | $6K | 13.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $944 | — | $944 | 2.22% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL AND CO., INC. | 32 OLD SLIP NEW YORK, NY 10005 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 105 | $85K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 105 | $85K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 137 | $174K |
| Long-term disability | NORTHWESTERN MUTUAL | 137 | $61K |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE COMPANY | 139 | $298K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 137 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.