| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $18K | $3K | $21K | 14.02% |
| JOSEPH P. FALK3 | 875 3RD AVE., FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 8.61% |
| RUSSO GROUP LLC3 | 875 3RD AVE., FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $936 | $112 | $1K | 1.54% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $2K | $84 | $2K | 4.12% |
| COURTENAY LEE AMERLING3 Filed as: COURTENAY AMERLING | 26 THE TER KATONAH, NY 10536 | AFLAC | $2K | $22 | $2K | 3.39% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET, STE 8C NEW YORK, NY 10005 | AFLAC | $873 | $43 | $916 | 1.68% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET, STE 8C NEW YORK, NY 10005 | AFLAC | $453 | — | $453 | 0.83% |
| GEROGE BLAIR WEILER3 | 14 WALL STREET, STE 8C NEW YORK, NY 10005 | AFLAC | $287 | — | $287 | 0.53% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $169 | — | $169 | 0.31% |
| BENJAMIN KLINGER3 Filed as: BENJAMIN S. KLINGER | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $165 | — | $165 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER | 2640 LAKE SHORE DR. UNIT 411 RIVIERA BEACH, FL 33404 | AFLAC | $102 | — | $102 | 0.19% |
| DAVID MORNINGSTAR3 Filed as: DAVID G. MORNINGSTAR | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $87 | — | $87 | 0.16% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $85 | — | $85 | 0.16% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $35 | — | $35 | 0.06% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVE. STE 312 GARDEN CITY, NY 11530 | AFLAC | $31 | — | $31 | 0.06% |
| GIANNA M. COURT3 | 544 VAN BUREN STREET #1 BROOKLYN, NY 11221 | AFLAC | $18 | — | $18 | 0.03% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $15 | — | $15 | 0.03% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP | 40 MAXWELL ROAD GARDEN CITY, NY 11530 | AFLAC | $13 | — | $13 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER | 173 GELSTON AVE. APT 3D BROOKLYN, NY 11209 | AFLAC | $10 | — | $10 | 0.02% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 154 | $148K |
| Vision | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 154 | $148K |
| Life insurance | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 154 | $148K |
| Long-term disability | NORTHWESTERN MUTUAL | 167 | $68K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 104 | $392K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 154 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.