| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 13.90% |
| JOSEPH P. FALK3 | 875 3RD AVE. FL. 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 9.20% |
| RUSSO GROUP LLC3 Filed as: RUSSO GRP LLC | 875 3RD AVE. FL. 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $948 | $114 | $1K | 1.65% |
| GEORGE BLAIR WEILER3 Filed as: GEORGE WEILER | 64 HILL TOP DR. MANHASSET, NY 11030 | AFLAC | $2K | $3 | $2K | 3.98% |
| COURTENAY LEE AMERLING3 Filed as: COURTENAY AMERLING | 26 THE TER KATONAH, NY 10536 | AFLAC | $1K | $14 | $1K | 2.68% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 35 PINELAWN RD., STE 190 MELVILLE, NY 11747 | AFLAC | $706 | $3 | $709 | 1.56% |
| CHRISTY DAY3 | 199 WATER ST., FL 23 NEW YORK, NY 10038 | AFLAC | $310 | — | $310 | 0.68% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $156 | — | $156 | 0.34% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE. BETHESDA, MD 20814 | AFLAC | $113 | — | $113 | 0.25% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 19 MARKWOOD RD. GARDEN CITY, NY 11530 | AFLAC | $99 | — | $99 | 0.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 2640 LAKE SHORE DR., UNIT 411 RIVIERA BEACH, FL 33404 | AFLAC | $75 | — | $75 | 0.16% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | AFLAC | $60 | — | $60 | 0.13% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $29 | — | $29 | 0.06% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE RD. SARATOGA SPRINGS, NY 12866 | AFLAC | $13 | — | $13 | 0.03% |
| TODD BURKE3 | 199 WATER STREET, FL 23 NEW YORK, NY 10038 | AFLAC | $9 | — | $9 | 0.02% |
| GIANA M COURT3 Filed as: GIANA COURT | 544 VAN BUREN ST. #1 BROOKLYN, NY 11221 | AFLAC | $9 | — | $9 | 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 | 140 | 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. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $142K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $142K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $142K |
| Long-term disability | NORTHWESTERN MUTUAL | 141 | $64K |
| Stop-loss / reinsurancereinsurance | NIAGARA LIFE AND HEALTH INSURANCE | 101 | $421K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.