| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEONARD S PEARSON3 Filed as: LEONARD S. PEARSON | 100 WEST 3RD AVENUE, SUITE 300 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 10.00% |
| MJ INSURANCE3 Filed as: STEPHEN KALLOCK AND VARIOUS AGENTS | 703 OXFORD COVE CANTON, GA 30115 | AFLAC | $398 | $12 | $410 | 3.65% |
| VANESSA IRENE HERRERA3 | 200 EAST AVENIDA DE LA MERCED MONTEBELLO, CA 90640 | AFLAC | $196 | $43 | $239 | 2.13% |
| GEORGIANNA STOUT3 | 150 HARBOR DRIVE, UNIT 370 SAUSALITO, CA 94966 | AFLAC | $215 | $0 | $215 | 1.91% |
| JUANITA BURKS & ASSOCIATES3 Filed as: JUANITA BURKS AND ASSOCIATES | 6100 CENTER DRIVE, SUITE 670 LOS ANGELES, CA 90045 | AFLAC | $140 | $30 | $170 | 1.51% |
| GINA MARIE LOVERDI3 | 736 PRIMOS AVENUE PRIMOS, PA 19018 | AFLAC | $138 | $0 | $138 | 1.23% |
| JUANITA BURKS & ASSOCIATES3 Filed as: JUANITA BURKS AND ASSOCIATES | 6060 CENTER DRIVE, SUITE 800 LOS ANGELES, CA 90045 | AFLAC | $87 | $0 | $87 | 0.77% |
| GABOR JOZSEF SZOKOLYAI3 | 175 WEST KING STREET MALVERN, PA 19355 | AFLAC | $54 | $0 | $54 | 0.48% |
| BRIEN C FLETCHER3 Filed as: BRIEN C. FLETCHER | 15 GARDEN AVENUE CARLE PLACE, NY 11514 | AFLAC | $482 | $12 | $494 | 8.97% |
| GREGORY K. MALONEY3 | 1300 VETERANS HIGHWAY HAUPPAUGGE, NY 11788 | AFLAC | $58 | $0 | $58 | 1.05% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $44 | $0 | $44 | 0.80% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES DAVID CORP AND OTHER AGENTS | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $39 | $2 | $41 | 0.74% |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM J. LOEFFERT | 555 BROADHOLLOW ROAD, SUITE 201 MELVILLE, NY 11747 | AFLAC | $36 | $0 | $36 | 0.65% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $24 | $0 | $24 | 0.44% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 12 SAINT THOMAS MOORE DRIVE WINCHESTER, MA 01890 | AFLAC | $12 | $0 | $12 | 0.22% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $149K |
| Vision | AFLAC | 15 | $11K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $154K |
| Short-term disability(2 contracts) | AFLAC | 15 | $17K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.