| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GARVIN GROUP LTD3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.42% |
| EVAN R. STOPOL3 Filed as: EVAN R STOPOL | 456 WOODBRIDGE ROAD ROCKVILLE CENTRE, NY 11570 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $107 | $469 | $576 | 1.07% |
| SORAYA ANTHONY3 | 86 BEAVER STREET #1C BROOKLYN, NY 11206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 0.10% |
| BRYAN J GARVIN3 | 26 STONE FENCE ROAD BERNARDSVILLE, NJ 07924 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 0.10% |
| KEVIN GARVIN3 Filed as: KEVIN V GARVIN | 6 CRICKLEWOOD LANE NORWALK, CT 06851 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 0.10% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.05% |
| EVAN R. STOPOL3 Filed as: EVAN R STOPOL | 456 WOODBRIDGE ROAD ROCKVILLE CENTRE, NY 11570 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $198 | $1K | 6.65% |
| KEVIN GARVIN3 Filed as: KEVIN V GARVIN | 6 CRICKLEWOOD LANE NORWALK, CT 06851 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.60% |
| THE GARVIN GROUP LTD3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $695 | $695 | 3.66% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $671 | — | $671 | 16.15% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $54K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $54K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $58K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $19K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $54K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.