| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY | $19K | $3K | $22K | 14.26% |
| JOSEPH P. FALK3 | 875 3RD AVE, FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 8.49% |
| RUSSO GROUP LLC3 | 875 3RD AVE., FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $938 | $113 | $1K | 1.52% |
| GEORGE BLAIR WEILER3 | 14 WALL STREET STE 8C NEW YORK, NY 10005 | AFLAC | $4K | $216 | $4K | 6.14% |
| COURTENAY LEE AMERLING3 | 26 THE TER KATONAH, NY 10536 | AFLAC | $2K | $79 | $2K | 3.45% |
| ANTHONY S ALMODOVAR Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET STE 8C NEW YORK, NY 10005 | AFLAC | $1K | $49 | $1K | 1.98% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY DAY ASSOCIATES, LLC | 14 WALL STREET STE 8C NEW YORK, NY 10005 | AFLAC | $571 | — | $571 | 0.86% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $284 | — | $284 | 0.43% |
| BENJAMIN KLINGER3 Filed as: BENJAMIN S. KLINGER | 5503 SPRUCE TREE AVE. BETHESDA, MD 20814 | AFLAC | $208 | — | $208 | 0.31% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVE. STE 312 GARDEN CITY, NY 11530 | AFLAC | $188 | — | $188 | 0.28% |
| LUIS DANIEL NAVARRO3 | 155 W. 60TH ST. APT. 13M NEW YORK, NY 10023 | AFLAC | $174 | — | $174 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVE. APT 3D BROOKLYN, NY 11209 | AFLAC | $139 | — | $139 | 0.21% |
| DAVID MORNINGSTAR3 Filed as: DAVID G. MORNINGSTAR | 4281 BUCKSKIN WOOD DR. ELLICOT CITY, MD 21042 | AFLAC | $110 | — | $110 | 0.17% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $53 | — | $53 | 0.08% |
| TENZIN MENLEK AAYA3 | 4106 CASE ST. APT 5C ELMHURST, NY 11373 | AFLAC | $48 | — | $48 | 0.07% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE RD. SARATOGA SPRINGS, NY 12866 | AFLAC | $26 | — | $26 | 0.04% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $25 | — | $25 | 0.04% |
| CARYL R. BERTOLINO3 | 210 W. 16TH ST. APT 3A NEW YORK, NY 10011 | AFLAC | $23 | — | $23 | 0.03% |
| S BEIN INC3 Filed as: S. BEIN INC. | 81 STEPHEN DR. PLAINVIEW, NY 11803 | AFLAC | $22 | — | $22 | 0.03% |
| GIANA M COURT3 Filed as: GIANA M. COURT | 544 VAN BUREN ST. #1 BROOKLYN, NY 11221 | AFLAC | $22 | — | $22 | 0.03% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER ELIA LUBELSKY | 80 JOHN ST APT 11C NEW YORK, NY 10038 | AFLAC | $1 | — | $1 | 0.00% |
| SJRDK ATTN REID KLEINMAN3 Filed as: SJRDK ATTN. REID KLEINMAN | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $1 | — | $1 | 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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 170 | $155K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 170 | $155K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 170 | $155K |
| Long-term disability | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 0 | $69K |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE COMPANY | 0 | $412K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 170 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.