| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARISTA INVESTORS CORP3 | 15 MAIDEN LANE, SUITE 905 NEW YORK, NY 10038 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $6K | $39K | 18.00% |
| KIMANI MATTHEW3 Filed as: KIMANI MATTHEWS | 153 SOUTH 11TH AVENUE MT VERNON, NY 10550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11K | $691 | $12K | 12.26% |
| CANDACE COHEN3 | 11 N BRIDGE PL MT KISCO, NY 10549 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.37% |
| MAXINE CASALBORE3 | 293 ROUTE 100 SONERS, NY 10589 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.37% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $906 | $105 | $1K | 1.07% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $346 | — | $346 | 0.37% |
| HOWARD DILEMA3 | 100 JAY STREET, SUITE 14J BROOKLYN, NY 11201 | THE PAUL REVERE LIFE INSURANCE COMPANY | $168 | — | $168 | 0.18% |
| DAVID MICHAEL LAMORTE3 | P.O. BOX 3803 DANBURYC, CT 06813 | THE PAUL REVERE LIFE INSURANCE COMPANY | $127 | — | $127 | 0.13% |
| DANA SUMMERS3 | 135 BALLSTON DRIVE MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $89 | — | $89 | 0.09% |
| MICHELLE DARTEE3 | 12 MOONSHADOW CT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| TOMMY TAM3 | 418 EAST 74TH STREET NEW YORK, NY 10021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SALATHIEL MALDONADO3 Filed as: SALATHIEL MALADONADO | 3717 CYPRESS AVE BROOKLYN, NY 11224 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $216K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $216K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $310K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $216K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $216K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.