| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH P. FALK3 | 875 3RD AVE., FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $4K | $951 | $5K | 8.08% |
| RUSSO GROUP LLC3 Filed as: RUSSO GRP LLC | 875 3RD AVE., FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $915 | $81 | $996 | 1.59% |
| GEORGE BLAIR WEILER3 Filed as: GEORGE WEILER | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $3K | $313 | $3K | 5.31% |
| COURTNEY AMERLING3 | 26 THE TERRACE ROAD KATONAH, NY 10536 | AFLAC | $3K | $101 | $3K | 5.07% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL ST. STE 8C NEW YORK, NY 10005 | AFLAC | $1K | $78 | $1K | 2.23% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL ST. STE 8C NEW YORK, NY 10005 | AFLAC | $577 | — | $577 | 0.98% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $352 | — | $352 | 0.60% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVENUE STE 312 GARDEN CITY, NY 11530 | AFLAC | $240 | — | $240 | 0.41% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE. BETHESDA, MD 20814 | AFLAC | $210 | — | $210 | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVE., APT 3D BROOKLYN, NY 11209 | AFLAC | $158 | — | $158 | 0.27% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | AFLAC | $112 | — | $112 | 0.19% |
| GIANA M COURT3 Filed as: GIANA COURT | 544 VAN BUREN ST., #1 BROOKLYN, NY 11221 | AFLAC | $66 | $31 | $97 | 0.17% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $42 | — | $42 | 0.07% |
| KIM HAMMOND3 | 1 BANK STREET, APT. 5L NEW YORK, NY 10014 | AFLAC | $35 | — | $35 | 0.06% |
| S BEIN INC3 Filed as: S. BEIN INC. | 81 STEPHEN DRIVE PLANVIEW, NY 11803 | AFLAC | $35 | — | $35 | 0.06% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP. | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $25 | — | $25 | 0.04% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $22 | — | $22 | 0.04% |
| SPAOLILLO CORP3 Filed as: SPAOLILLO CORP. | 6707 TENTH AVE. BROOKLYN, NY 11219 | AFLAC | $18 | — | $18 | 0.03% |
| REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $2 | — | $2 | 0.00% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER LUBELSKY | 80 JOHN STREET 11C NEW YORK, NY 10038 | AFLAC | $2 | — | $2 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE. STE S229 WHITE PLAINS, NY 10604 | GUARDIAN | $13K | $963 | $14K | 140.58% |
| 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 & 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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 155 | $10K |
| Vision | GUARDIAN | 155 | $10K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 155 | $69K |
| Long-term disability | NORTHWESTERN MUTUAL | 162 | $63K |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE COMPANY | 162 | $395K |
| Other(3 contracts, 3 carriers) | AFLAC | 162 | $78K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.