| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | $5K | $70K | 2.30% |
| EMERSON REID LLC3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $17K | $17K | 12.40% |
| EMERSON REID LLC3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $0 | $10K | $10K | 13.10% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.07% |
| JNAZ INC3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $32 | $1K | 2.93% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $438 | $0 | $438 | 1.17% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY WHITE PLAINS, NY 10601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $191 | $0 | $191 | 0.51% |
| ANDREW THOMAS CABRERA3 Filed as: ANDREW CABRERA | 115 MORRIS STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $67 | $118 | $185 | 0.49% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| WENDY ELIZABETH WESOLOWSKI3 Filed as: WENDY WESOLOWSKI | 1284 NORTH 12TH AVENUE PENSACOLA, FL 32503 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $214 | $0 | $214 | 4.67% |
| JNAZ INC3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $139 | $15 | $154 | 3.36% |
| CHARLENE ALPAY3 | 606 WEST 16TH STREET NEW YORK, NY 10027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $1 | $80 | 1.74% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 1.66% |
| WENDY ELIZABETH WESOLOWSKI3 Filed as: WENDY WESOLOWSKI | 1284 NORTH 12TH AVENUE PENSACOLA, FL 32503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 1.00% |
| CLARICE R MIMS3 Filed as: CLARICE MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.13% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 215 | $213K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 215 | $135K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 215 | $135K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $3.0M |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 215 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.