| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEONARD S PEARSON3 Filed as: LEONARD S. PEARSON | 100 WEST THIRD AVENUE, SUITE 300 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 5.08% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 4.10% |
| MJ INSURANCE3 Filed as: ROBERT ABIGANA AND VARIOUS AGENTS | 2220 CRESTMOOR DRIVE SAN BRUNO, CA 94066 | AFLAC | $296 | $3 | $299 | 2.99% |
| GEORGIANNA STOUT3 | 150 HARBOR DRIVE, SUITE 370 SAUSALITO, CA 94966 | AFLAC | $215 | $0 | $215 | 2.15% |
| VANESSA IRENE HERRERA3 | 200 EAST AVENIDA DE LA MERCED MONTEBELLO, CA 90640 | AFLAC | $187 | $17 | $204 | 2.04% |
| JUANITA BURKS & ASSOCIATES3 Filed as: JUANITA BURKS AND ASSOCIATES | 6060 CENTER DRIVE, SUITE 800 LOS ANGELES, CA 90045 | AFLAC | $200 | $3 | $203 | 2.03% |
| GINA MARIE LOVERDI3 | 736 PRIMOS AVENUE PRIMOS, PA 19018 | AFLAC | $52 | $0 | $52 | 0.52% |
| STEPHEN KALLOCK3 Filed as: STEPHEN G. KALLOCK | 703 OXFORD CV CANTON, GA 30015 | AFLAC | $48 | $0 | $48 | 0.48% |
| THEODORE C RAZATOS3 Filed as: THEODORE C. RAZATOS | 116 SURREY LANE SAN RAFAEL, CA 94903 | AFLAC | $36 | $0 | $36 | 0.36% |
| BRIEN C FLETCHER3 Filed as: BRIEN C. FLETCHER | 15 GARDEN AVENUE CARLE PLACE, NY 11514 | AFLAC | $425 | $0 | $425 | 8.40% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $44 | $0 | $44 | 0.87% |
| GREGORY K. MALONEY3 | 27 HEWITT DRIVE NORTHPORT, NY 11768 | AFLAC | $43 | $0 | $43 | 0.85% |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM J. LOEFFERT | 545 DAVIS STREET NORTH BABYLON, NY 11703 | AFLAC | $36 | $0 | $36 | 0.71% |
| MJ INSURANCE3 Filed as: J. DAVID CORP. AND VARIOUS AGENTS | 35 PINELAWN ROAD, SUITE 109 MELVILLE, NY 11747 | AFLAC | $29 | $0 | $29 | 0.57% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $21 | $0 | $21 | 0.42% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 12 ST. THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $12 | $0 | $12 | 0.24% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | 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 | 206 | $282K |
| Vision | AFLAC | 14 | $10K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $287K |
| Short-term disability(2 contracts) | AFLAC | 14 | $15K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.