| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING | PO BOX 9017 WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 1.06% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $6K | $6K | 4.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.34% |
| JNAZ INC3 Filed as: JNAZ INC. | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $928 | $2K | 5.86% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY AND OTHER AGENTS | 75 SOUTH BROADWAY WHITE PLAINS, NY 10601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $941 | $111 | $1K | 2.60% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $717 | $277 | $994 | 2.46% |
| LLOYD COWAN3 | 250 LAKESIDE DRIVE BRIDGEPORT, CT 06606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $535 | $0 | $535 | 1.32% |
| ERROL G NEWLAND3 Filed as: ERROL G. NEWLAND | 45 WALKER ROAD TRUMBULL, CT 06611 | THE PAUL REVERE LIFE INSURANCE COMPANY | $319 | $0 | $319 | 0.79% |
| KASSANDRA ANNE FAIR3 | 20 PATRIOTS PATH SOUTH BOUND BROOK, NJ 08880 | THE PAUL REVERE LIFE INSURANCE COMPANY | $284 | $0 | $284 | 0.70% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING | PO BOX 9017 WOODBURY, NY 11797 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 10.04% |
| JNAZ INC3 Filed as: JNAZ INC. | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $623 | $689 | 18.08% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $569 | $96 | $665 | 17.45% |
| WENDY ELIZABETH WESOLOWSKI3 | 1284 NORTH 12TH AVENUE PENSACOLA, FL 32503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $256 | $0 | $256 | 6.72% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $19 | $100 | 2.62% |
| SAMUEL DAVID BREIER3 | 34 GRAMERCY PARK EAST NEW YORK, NY 10003 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $11 | $44 | 1.15% |
| MJ INSURANCE3 Filed as: FRANK M. DARTEE AND VARIOUS AGENTS | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $7 | $20 | 0.52% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $3 | $19 | 0.50% |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 288 | $2.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 288 | $2.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 217 | $14K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 202 | $68K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 202 | $117K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 202 | $117K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 288 | $2.5M |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 202 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
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.