| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS | 34 E INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 064056531 | UNITEDHEALTHCARE INSURANCE COMPANY | $87K | — | $87K | 2.77% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS LLC | 34 EAST INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 12.22% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC. | 2 PARK AVENUE, FLOOR 20 NEW YORK, NY 10016 | AFLAC | $42 | — | $42 | 3.80% |
| MICHELLE EASTON3 | 168 ELMWOOD STREET VALLEY STREAM, NY 11581 | AFLAC | $29 | — | $29 | 2.62% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN H MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $22 | — | $22 | 1.99% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $16 | — | $16 | 1.45% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 363 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $287K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $287K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $287K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $288K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $287K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.