| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $5K | $21K | 15.60% |
| JOSEPH P. FALK3 | 875 3RD AVE. FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 8.41% |
| RUSSO GROUP LLC3 | 875 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $915 | $110 | $1K | 1.51% |
| COURTENAY LEE AMERLING3 | 26 THE TERRACE KATONAH, NY 10536 | AFLAC | $2K | — | $2K | 4.52% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DR. MANHASSET, NY 11030 | AFLAC | $2K | — | $2K | 4.36% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 35 PINELAWN RD. STE 190 MELVILLE, NY 11747 | AFLAC | $630 | — | $630 | 1.51% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY M. DAY | 199 WATER ST., FL 23 NEW YORK, NY 10038 | AFLAC | $232 | — | $232 | 0.55% |
| TREVOR FENNELL3 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $139 | — | $139 | 0.33% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 31 STRATFORD GRN. FARMINGDALE, NY 11735 | AFLAC | $131 | — | $131 | 0.31% |
| BENJAMIN KLINGER3 Filed as: BENJAMIN S. KLINGER | 5503 SPRUCE TREE AVE. BETHESDA, MD 20814 | AFLAC | $103 | — | $103 | 0.25% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 19 MARKWOOD RD. GARDEN CITY, NY 11530 | AFLAC | $89 | — | $89 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER | 2640 LAKE SHORE DR. UNIT 411 RIVERA BEACH, FL 33404 | AFLAC | $69 | — | $69 | 0.16% |
| DAVID MORNINGSTAR3 Filed as: DAVID G. MORNINGSTAR | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | AFLAC | $55 | — | $55 | 0.13% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL ST., STE 8C NEW YORK, NY 10005 | AFLAC | $52 | — | $52 | 0.12% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $26 | — | $26 | 0.06% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE RD. SARATOGA SPRINGS, NY 12866 | AFLAC | $12 | — | $12 | 0.03% |
| TODD BURKE3 | 199 WATER STREET FL 23 NEW YORK, NY 10038 | AFLAC | $7 | — | $7 | 0.02% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $2 | — | $2 | 0.00% |
| GIANA M COURT3 Filed as: GIANA M. COURT | 544 VAN BUREN ST. #1 BROOKLYN, NY 11221 | 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 | 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 | 139 | $132K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $132K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $132K |
| Long-term disability | NORTHWESTERN MUTUAL | 131 | $68K |
| Stop-loss / reinsurancereinsurance | NIAGARA LIFE AND HEALTH INSURANCE | 93 | $358K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.