| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING INC. | PO BOX 9017 WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $30K | $11 | $30K | 1.13% |
| EMERSON REID LLC3 | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $20K | $20K | 8.52% |
| EMERSON REID LLC3 | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $0 | $9K | $9K | 15.52% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.15% |
| JNAZ INC3 Filed as: JNAZ INC. | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $17 | $1K | 3.12% |
| MICHELL DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $543 | $16 | $559 | 1.40% |
| WILLIAM M. PELOSO3 | 41 ROCK SPRING ROAD STAMFORD, CT 10708 | THE PAUL REVERE LIFE INSURANCE COMPANY | $415 | $31 | $446 | 1.12% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS INC. | 75 SOUTH BROADWAY WHITE PLAINS, NY 10601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $214 | $0 | $214 | 0.54% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $177 | $28 | $205 | 0.51% |
| MJ INSURANCE3 Filed as: ROBERT W. SOBAL AND VARIOUS AGENTS | 24 STEVENSON AVENUE CORTLANDT MANOR, NY 10567 | THE PAUL REVERE LIFE INSURANCE COMPANY | $143 | $0 | $143 | 0.36% |
| 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 | 10.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $128 | $360 | 9.76% |
| JNAZ INC3 Filed as: JNAZ INC. | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $2 | $121 | 3.28% |
| CHARLENE ALPAY3 | 606 WEST 116TH STREET NEW YORK, NY 10027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $2 | $82 | 2.22% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $8 | $75 | 2.03% |
| WENDY ELIZABETH WESOLOWSKI3 | 1284 NORTH 12TH AVENUE PENSACOLA, FL 32503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 1.65% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $5 | $40 | 1.08% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $10 | $15 | 0.41% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 313 | $2.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 313 | $2.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 215 | $14K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 210 | $294K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 210 | $235K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 210 | $235K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 313 | $2.7M |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 210 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.