| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS W. FEFFER3 | 440 EAST 57TH STREET #18C NEW YORK, NY 10022 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.98% |
| BRYAN J GARVIN3 Filed as: BRYAN J. GARVIN | 26 STONE FENCE ROAD BERNARDSVILLE, NJ 07924 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.23% |
| KEVIN GARVIN3 Filed as: KEVIN V. GARVIN | 6 CRICKLEWOOD LANE NORWALK, CT 06851 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.23% |
| THE GARVIN GROUP LTD3 Filed as: THE GARVIN GROUP LTD. | 140 BROADWAY FLOOR 48 NEW YORK, NY 10005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.59% |
| EVAN R. STOPOL3 | 456 WOODBRIDGE ROAD ROCKVILLE CENTRE, NY 11570 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.49% |
| KEVIN GARVIN3 Filed as: KEVIN V. GARVIN | 140 BROADWAY 22ND FLOOR NEW YORK, NY 10005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 12.66% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 12.12% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $353 | $2K | 4.04% |
| KIMANI MATTHEW3 | 1113 EAST 212TH STREET BRONX, NY 10469 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $922 | $678 | $2K | 3.63% |
| BRYAN J GARVIN3 Filed as: BRYAN JOSEPH GARVIN | 140 BROADWAY NEW YORK, NY 10005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $414 | $960 | $1K | 3.11% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC. | TA SAVOY ASSOCIATES 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.96% |
| EVAN STOPOL3 | 139 EAST 35TH STREET APT. 5N NEW YORK, NY 10016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.56% |
| ISIDORO ZEICHNER3 | 4324 WEST POINT LOMA BOULEVARD SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $657 | $115 | $772 | 1.75% |
| DORIS JUDITH BEJARANO3 | 2114 NORTH FLAMINGO ROAD PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $666 | $23 | $689 | 1.56% |
| MARIA VERONICA JARQUE3 | 8366 VIA SONOMA UNIT E LA JOLLA, CA 92037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $411 | $98 | $509 | 1.15% |
| MARK EDWARD HATHAWAY3 | 50 MAIN STREET #1000 WHITE PLAINS, NY 10606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $357 | $405 | 0.92% |
| HUGO GUZMAN3 | P.O. BOX 95884 LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | $48 | $363 | 0.82% |
| FELIPE CARLOS BARREDA3 | 1205 MARIPOSA AVENUE APT. 227 CORAL GABLES, FL 33146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | $28 | $298 | 0.68% |
| JAMES NUZZI3 Filed as: JAMES ROBINSON | 800 WOODHILLS DRIVE APT. #810 GOSHEN, NY 10924 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $90 | $202 | 0.46% |
| MARIA C GONZALEZ3 Filed as: MARIA C. GONZALEZ | 11677 SANDPIPER COURT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $6 | $103 | 0.23% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $25 | $83 | 0.19% |
| COLIN KELLY GARVIN3 | 800 WESTCHESTER AVENUE #N409 RYE BROOK, NY 10573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $15 | $58 | 0.13% |
| RECKON BENEFIT PLANNING GROUP INC.3 | 2844 SW 165TH AVENUE MIRAMAR, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $4 | $57 | 0.13% |
| LAMBERT MONTALBO3 | 26197 MIRADA STREET HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $3 | $51 | 0.12% |
| MARIA PULIDO3 | 2844 SW 165TH STREET MIRAMAR, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.10% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $12 | $45 | 0.10% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE INC. | 400 SOUTH RAMPART BOULEVARD SUITE 250 LAS VEGAS, NV 89145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $16 | $42 | 0.10% |
| JAKORP INC3 Filed as: JAKORP INC. | 10410 RESERVE DRIVE SAN DIEGO, CA 92127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $17 | $34 | 0.08% |
| JUDITH I VIDAL3 Filed as: JUDITH I. VIDAL | 7280 STIRLING ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $1 | $29 | 0.07% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $11 | $28 | 0.06% |
| KARLA ALEXANDER3 | 3524 OBERON LANE NORTH LAS VEGAS, NV 89032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $6 | $25 | 0.06% |
| AMANDA WILLIAMS3 Filed as: AMANDA IRVING | 72 BELLE RIDGE AVENUE LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| ARIAN E NAWABI3 Filed as: ARIAN E. NAWABI | 201 DARLINGTON IRVINE, CA 92620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $4 | $18 | 0.04% |
| LAWRENCE PINSON3 | 2750 SOUTH DURANGO DRIVE APT. 2009 LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| MICHELLE CRISANTI3 | 2150 SOUTH CANALPORT CHICAGO, IL 60608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| JOHN R KLIMCHAK3 Filed as: JOHN BOCK | 8 NEVINWOOD PLACE HUNTINGTON, NY 11743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BELLA NATION BENEFITS LLC3 | 9655 WAUKEGAN AVENUE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
| CHRISTINA D POLK INC3 Filed as: CHRISTINA D. POLK INC. | 9755 QUENCIA COURT LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| TINA HERNANDEZ3 | 6442 ROSTRATA STREET BUENA PARK, CA 90621 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| RICHARD STURM3 | 2150 SOUTH CANALPORT CHICAGO, IL 60608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KEVIN GARVIN3 Filed as: KEVIN V. GARVIN | 140 BROADWAY 22ND FLOOR NEW YORK, NY 10005 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.60% |
| KIMANI MATTHEW3 | 1113 EAST 212TH STREET BRONX, NY 10469 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $1K | $3K | 10.33% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $2K | $3K | 10.05% |
| COLIN KELLY GARVIN3 | 800 WESTCHESTER AVENUE #N409 RYE BROOK, NY 10573 | THE PAUL REVERE LIFE INSURANCE COMPANY | $857 | $188 | $1K | 3.48% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $18 | $1K | 3.44% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC. | TA SAVOY ASSOCIATES 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | THE PAUL REVERE LIFE INSURANCE COMPANY | $991 | — | $991 | 3.30% |
| EVAN STOPOL3 | 139 EAST 35TH STREET APT. 5N NEW YORK, NY 10016 | THE PAUL REVERE LIFE INSURANCE COMPANY | $794 | — | $794 | 2.65% |
| BRYAN J GARVIN3 Filed as: BRYAN JOSEPH GARVIN | 140 BROADWAY NEW YORK, NY 10005 | THE PAUL REVERE LIFE INSURANCE COMPANY | $136 | $465 | $601 | 2.00% |
| EDWARD SCHMATZ3 | 120 BROADWAY NEW YORK, NY 10271 | THE PAUL REVERE LIFE INSURANCE COMPANY | $437 | $90 | $527 | 1.76% |
| MARK EDWARD HATHAWAY3 | 50 MAIN STREET #1000 WHITE PLAINS, NY 10606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $44 | $306 | $350 | 1.17% |
| ABRAHAM OYEWO3 | 1039 EAST 227 STREET BRONX, NY 10466 | THE PAUL REVERE LIFE INSURANCE COMPANY | $239 | $23 | $262 | 0.87% |
| PAULETTE VICTORIA WALKER3 | 1425 PARK PLACE BROOKLYN, NY 11213 | THE PAUL REVERE LIFE INSURANCE COMPANY | $100 | — | $100 | 0.33% |
| MIRIAM ESPERANZA YOUNAN3 | 41 WEST BAYONNE, NJ 07002 | THE PAUL REVERE LIFE INSURANCE COMPANY | $94 | — | $94 | 0.31% |
| CHERYL ANN ELMORE3 | P.O. BOX 730881 FLUSHING, NY 11373 | THE PAUL REVERE LIFE INSURANCE COMPANY | $77 | — | $77 | 0.26% |
| SALATHIEL MALDONADO3 | 3717 CYPRESS AVENUE BROOKLYN, NY 11224 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $42 | $61 | 0.20% |
| CDC CONSULTING SERVICES INC3 Filed as: CDC CONSULTING SERVICES INC. | 47 WESTERN AVENUE DEER PARK, NY 11729 | THE PAUL REVERE LIFE INSURANCE COMPANY | $53 | $5 | $58 | 0.19% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $40 | $9 | $49 | 0.16% |
| BRAD BIEL3 | 2 GOLD STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.04% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $219K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $219K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $219K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $219K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $219K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.