| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY | $17K | $1K | $19K | 13.30% |
| JOSEPH P. FALK3 | 875 3RD AVE., FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $4K | $972 | $5K | 8.18% |
| RUSSO GROUP LLC3 | 875 3RD AVE., FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $926 | $85 | $1K | 1.61% |
| GEORGE BLAIR WEILER3 Filed as: GEORGE WEILER | 14 WALL ST. STE 8C NEW YORK, NY 10005 | AFLAC | $3K | $179 | $3K | 5.42% |
| COURTENAY LEE AMERLING3 Filed as: COURTENAY AMERLING | 26 THE TER KATONAH, NY 10536 | AFLAC | $2K | $89 | $3K | 4.55% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET STE 8C NEW YORK, NY 10005 | AFLAC | $1K | $45 | $1K | 2.03% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET STE 8C NEW YORK, NY 10005 | AFLAC | $473 | — | $473 | 0.85% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $278 | — | $278 | 0.50% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVE. STE 312 GARDEN CITY, NY 11530 | AFLAC | $196 | — | $196 | 0.35% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE. BETHESDA, MD 20814 | AFLAC | $172 | — | $172 | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVE. APT. 3D BROOKLYN, NY 11209 | AFLAC | $139 | — | $139 | 0.25% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR. ELLICOT CITY, MD 21042 | AFLAC | $91 | — | $91 | 0.16% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $52 | — | $52 | 0.09% |
| S BEIN INC3 Filed as: S. BEIN INC. | 81 STEPHEN DRIVE PLAINVIEW, 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 | $28 | — | $28 | 0.05% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $27 | — | $27 | 0.05% |
| CARYL R. BERTOLINO3 Filed as: CARYL BERTOLINO | 210 W. 16TH STREET APT 3A NEW YORK, NY 10011 | AFLAC | $22 | — | $22 | 0.04% |
| GIANA M COURT3 Filed as: GIANA COURT | 544 VAN BUREN STREET #1 BROOKLYN, NY 11221 | AFLAC | $17 | — | $17 | 0.03% |
| KIM HAMMOND3 | 1 BANK STREET APT 5L NEW YORK, NY 10014 | AFLAC | $15 | — | $15 | 0.03% |
| SPAOLILLO CORP3 | 6707 10TH AVE BROOKLYN, NY 11219 | AFLAC | $8 | — | $8 | 0.01% |
| SJRDK ATTN REID KLEINMAN3 | — | AFLAC | $2 | — | $2 | 0.00% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER LUBELSKY | 80 JOHN STREET APT 11C NEW YORK, NY 10038 | AFLAC | $2 | — | $2 | 0.00% |
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 | 158 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 160 | $140K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 160 | $140K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 160 | $140K |
| Long-term disability | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 148 | $63K |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE COMPANY | 0 | $397K |
| Other | AFLAC | 41 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.