| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLINGRISK | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $91K | $362 | $91K | 4.10% |
| STERLING AND STERLING, INC.3 Filed as: STERLINGRISK | PO BOX 9017 WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $893 | — | $893 | 0.37% |
| STERLING AND STERLING, INC.3 Filed as: STERLINGRISK | PO BOX 9017 WOODBURY, NY 11797 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $2K | — | $2K | 10.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLINGRISK | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 9.65% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P. SMITH | 510 ROUTE 304, SUITE 200 NEW CITY, NY 10956 | EYEMED VISION CARE | $2K | — | $2K | 17.64% |
| STERLING AND STERLING, INC.3 Filed as: STERLINGRISK | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | SHELTERPOINT LIFE INSURANCE COMPANY | $211 | — | $211 | 22.54% |
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 | 142 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 171 | $2.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 171 | $2.5M |
| Vision | EYEMED VISION CARE | 233 | $12K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 225 | $17K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY US | 103 | $19K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 171 | $2.5M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 225 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.