| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $20K | $0 | $20K | 2.65% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG, INC. | 123 MAIN STREET WHITE PLAINS, NY 10601 | AETNA | $22K | $0 | $22K | 3.34% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | AETNA | $5K | $0 | $5K | 0.83% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $6K | $8K | 5.17% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG, INC. | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.08% |
| MICHAEL WELLING3 | C/O MERIDIAN RISK MGMT. PO BOX 8419 PELHAM, NY 10803 | AFLAC | $961 | $12 | $973 | 7.06% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | AFLAC | $293 | $2 | $295 | 2.14% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $103 | $2 | $105 | 0.76% |
| LILLIAN TOMPKINS3 | 100 STONY BROOK CT. NEWBURGH, NY 12550 | AFLAC | $98 | $0 | $98 | 0.71% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTON, RI 02852 | AFLAC | $77 | $0 | $77 | 0.56% |
| KOBER ASSOCIATES LLC3 | 214-25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $71 | $2 | $73 | 0.53% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $64 | $0 | $64 | 0.46% |
| SANDRA ELLEN ALBANESE3 | 20 ARLINGTON RD SCARSDALE, NY 10583 | AFLAC | $63 | $0 | $63 | 0.46% |
| JOSEPH A COLOMBO III3 | 112 HIGH POINT CIRCLE NEWBURGH, NY 12550 | AFLAC | $16 | $0 | $16 | 0.12% |
| MG BENEFITS CONSULTING GROUP LLC3 | 80 BUSINESS PARK DRIVE SUITE 306 ARMONK, NY 10504 | AFLAC | $16 | $0 | $16 | 0.12% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2 SUMMIT COURT SUITE 204A FISHKILL, NY 12524 | AFLAC | $8 | $0 | $8 | 0.06% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $325 | $2K | 23.56% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | UNITED HEALTHCARE INSURANCE COMPANY | $467 | $0 | $467 | 11.60% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 211 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $164K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $168K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 276 | $7K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $164K |
| Other | AFLAC | 24 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.