| 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 | $143K | — | $143K | 2.32% |
| 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 | $48K | $4K | $52K | 13.34% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS | 34 EAST INDUSTRIAL ROAD SUITE 5 BRANFORD, CT 06405 | UNITED HEALTH CARE INSURANCE COMPANY | $4K | — | $4K | 11.85% |
| GIANA M COURT3 | 108 FLAGLER AVENUE EDGEWATER, FL 32132 | AFLAC | $116 | $96 | $212 | 5.22% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS | 34 E INDUSTRIAL RD STE 5 BRANFORD, CT 06405 | AFLAC | $202 | — | $202 | 4.97% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DR MANHASSET, NY 11030 | AFLAC | $64 | $16 | $80 | 1.97% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC. | 2 PARK AVENUE, FLOOR 20 NEW YORK, NY 10016 | AFLAC | $46 | — | $46 | 1.13% |
| SHAUN T KONIOR3 | 100 NW 62ND STREET SUITE 1020 FORT LAUDERDALE, FL 33309 | AFLAC | $22 | $16 | $38 | 0.94% |
| MICHELLE EASTON3 | 168 ELMWOOD STREET VALLEY STREAM, NY 11581 | AFLAC | $31 | — | $31 | 0.76% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN H MARKOWITZ | 21996 SW TIVOLO WAY PORT ST LUCIE, FL 34986 | AFLAC | $24 | — | $24 | 0.59% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $17 | — | $17 | 0.42% |
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 | 405 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 604 | $6.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 405 | $392K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 405 | $392K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 405 | $396K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 405 | $392K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 405 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.