| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $3K | $34K | 15.42% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.51% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7500 OLD GEORGETOWN ROAD SUITE 925 BETHESDA, MD 20814 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.14% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD SUITE 210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $437 | $0 | $437 | 1.02% |
| IRMA MATILDE WOODARD3 Filed as: IRMA ENCISO ALTAMIRANO | 115 MALTBY STREET SHELTON, CT 06484 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $375 | $0 | $375 | 0.87% |
| RICHARD SAENZ3 | 109 BOSTON POST ROAD, SUITE 6 ORANGE, CT 06477 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $162 | $0 | $162 | 0.38% |
| JACQUELINE ROTH3 Filed as: JACQUELINE G. ROTH AND OTHER AGENTS | 1600 GRAND AVENUE, APT Q2 NORTH BALDWIN, NY 11510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $102 | $0 | $102 | 0.24% |
| LESLYE JOHANNA MANZANO GIRON3 | 3300 NORTH SCOTTSDALE ROAD APT 4020 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $92 | $0 | $92 | 0.21% |
| HECTOR ZAYAS3 | 19 LIBERTY STREET, APT C NEW HAVEN, CT 06519 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $75 | $0 | $75 | 0.17% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.91% |
| RICHARD SAENZ3 | 109 BOSTON POST ROAD ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.45% |
| EPSIX, INC.3 | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $700 | $0 | $700 | 1.77% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $651 | $0 | $651 | 1.65% |
| MJ INSURANCE3 Filed as: DAVID W. MAJOR AND VARIOUS AGENTS | 4 STANTON ROAD DARIEN, CT 06820 | CONTINENTAL AMERICAN INSURANCE COMPANY | $563 | $0 | $563 | 1.42% |
| IRMA E. ALTAMIRANO3 | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | $0 | $447 | 1.13% |
| STEPHEN WEST3 | 5 JANE STREET BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $287 | $0 | $287 | 0.73% |
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 | 375 | 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) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 375 | $219K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 375 | $219K |
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 96 | $43K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 243 | $40K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 243 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.