| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEN EYCK INSURANCE AGENCY INC.3 | 1924 WESTERN AVENUE ALBANY, NY 12203 | HIGHMARK WESTERN AND NORTHEASTER NEW YORK, INC. | $4K | $0 | $4K | 3.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 17.76% |
| JOSEPH P. FALK3 | 875 3RD AVE FL 23 NEW YORK, NY 10022 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.96% |
| RUSSO GROUP LLC3 | 875 3RD AVE FL 23 NEW YORK, NY 10022 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $110 | $0 | $110 | 0.19% |
| TEN EYCK INSURANCE AGENCY INC.3 | 1924 WESTERN AVENUE ALBANY, NY 12203 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | $2K | $0 | $2K | 3.89% |
| AARON BERG3 Filed as: AARON B. BERG | 100 VALLEY ROAD SUITE 101 MOUNT ARLINGTON, NJ 07856 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 752511814 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DR MANHASSET, NY 11030 | AFLAC | $2K | $19 | $2K | 4.09% |
| COURTENAY LEE AMERLING3 | 26 THE TERRACE KATONAH, NY 10536 | AFLAC | $782 | $0 | $782 | 1.77% |
| COURTENAY LEE AMERLING3 | 26 THE TERANCE KATONAH, NY 10536 | AFLAC | $652 | $80 | $732 | 1.66% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $630 | $0 | $630 | 1.43% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY M. DAY | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $336 | $0 | $336 | 0.76% |
| TREVOR FENNELL3 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $132 | $0 | $132 | 0.30% |
| BENJAMIN KLINGER3 Filed as: BENJAMIN S. KLINGER | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $122 | $0 | $122 | 0.28% |
| JANINE M. FEELEY3 Filed as: JANINE M FEELEY | 28 LAURELTON AVE LAKE GROVE, NY 11755 | AFLAC | $72 | $36 | $108 | 0.24% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $90 | $0 | $90 | 0.20% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 100 NW 62ND ST STE 1020 FT LAUDERDALE, FL 33309 | AFLAC | $67 | $19 | $86 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER | 2640 LAKE SHORE DR UNIT 411 RIVIERA BEACH, FL 33404 | AFLAC | $81 | $0 | $81 | 0.18% |
| DAVID MORNINGSTAR3 Filed as: DAVID G. MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $65 | $0 | $65 | 0.15% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $26 | $0 | $26 | 0.06% |
| S BEIN INC3 | 8676 SW CARRARA WAY PORT ST. LUCIE, FL 34987 | AFLAC | $15 | $10 | $25 | 0.06% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HWY STE 1015W HOLBROOK, NY 11741 | AFLAC | $11 | $5 | $16 | 0.04% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $10 | $0 | $10 | 0.02% |
| TODD BURKE3 | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $10 | $0 | $10 | 0.02% |
| YAHVIER SANCHEZ3 | 27 HALLOCK AVE SMITHTOWN, NY 11787 | AFLAC | $8 | $2 | $10 | 0.02% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DR NEW CITY, NY 10956 | AFLAC | $5 | $1 | $6 | 0.01% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR NEW ROCHELLE, NY 10804 | AFLAC | $3 | $1 | $4 | 0.01% |
| JENNIFER DESTEFANO-CAMACHO3 | 41 HOMESTEAD LN LEVITTOWN, NY 11756 | AFLAC | $1 | $0 | $1 | 0.00% |
| TEN EYCK INSURANCE AGENCY INC.3 | 1924 WESTERN AVENUE ALBANY, NY 12203 | DELTA DENTAL OF PENNSYLVANIA | $389 | $0 | $389 | 10.01% |
| TEN EYCK INSURANCE AGENCY INC.3 | 1924 WESTERN AVENUE ALBANY, NY 122035077 | METROPOLITAN LIFE INSURANCE COMPANY | $168 | $0 | $168 | 15.16% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK WESTERN AND NORTHEASTER NEW YORK, INC. | 57 | $215K |
| Dental(4 contracts, 4 carriers) | HIGHMARK WESTERN AND NORTHEASTER NEW YORK, INC. | 163 | $241K |
| Vision(2 contracts, 2 carriers) | HIGHMARK WESTERN AND NORTHEASTER NEW YORK, INC. | 163 | $187K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $75K |
| Long-term disability(2 contracts, 2 carriers) | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 113 | $60K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTER NEW YORK, INC. | 6 | $112K |
| Stop-loss / reinsurancereinsurance | NIAGARA LIFE AND HEALTH INSURANCE | 97 | $356K |
| Other(4 contracts, 4 carriers) | HIGHMARK WESTERN AND NORTHEASTER NEW YORK, INC. | 163 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.