| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 9E RIVER PARK PLACE EAST FRESNO, NY 93720 | AETNA LIFE INSURANCE CO. | $69K | $345 | $70K | 1.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE CO. | $24K | $262 | $24K | 0.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | VISION SERVICE PLAN | $1K | — | $1K | 4.89% |
| SOTERIA PARTNERS LLC3 | 550 WEST 29TH STREET, APARTMENT 3A NEW YORK, NY 10001 | THE PAUL REVERE LIFE INSURANCE COMPANY | $487 | $8 | $495 | 2.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | THE PAUL REVERE LIFE INSURANCE COMPANY | $451 | $0 | $451 | 2.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARNTERS INSURANCE CENTER | 10877 WHITE ROCK ROAD RANCHO CORDOVA, CA 11763 | THE PAUL REVERE LIFE INSURANCE COMPANY | $326 | — | $326 | 1.48% |
| MJ INSURANCE3 Filed as: PATRICK KIERNAN AND VARIOUS AGENTS | 28 SEAFIELD LANE BAY SHORE, NY 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $217 | $9 | $226 | 1.03% |
| VENESSA N DEAN3 Filed as: VENESSA DEAN | 1052 ASHFORD AVENUE, APARTMENT 802 SAN JUAN, PR 00907 | THE PAUL REVERE LIFE INSURANCE COMPANY | $216 | $0 | $216 | 0.98% |
| EILEEN BERG3 | 319 THOMASTON ROAD, UNIT 12 WATERTOWN, CT 06795 | THE PAUL REVERE LIFE INSURANCE COMPANY | $110 | $0 | $110 | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES LLC | 770 LEXINGTON AVENUE, 14TH FLOOR NEW YORK, NY 10065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $93 | $0 | $93 | 0.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $457 | $10 | $467 | 13.58% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 886 POPLAR LANE WATERTOWN, MN 55388 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $329 | $68 | $397 | 11.55% |
| SOTERIA PARTNERS LLC3 | 550 WEST 29TH STREET, APARTMENT 3A NEW YORK, NY 10001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $134 | $191 | $325 | 9.45% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | UNKNOWN CRANSTON, RI 02920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $140 | $181 | $321 | 9.34% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $65 | $92 | 2.68% |
| VENESSA N DEAN3 Filed as: VENESSA DEAN | 1052 ASHFORD AVENUE, APARTMENT 802 SAN JUAN, PR 00907 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.41% |
| MJ INSURANCE3 Filed as: WALTER BONILLA AND VARIOUS AGENTS | 9 LONGLEAF LANE MEDFORD, NY 11763 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.23% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 501 | $3.7M |
| Dental | AETNA LIFE INSURANCE CO. | 501 | $3.7M |
| Vision | VISION SERVICE PLAN | 131 | $23K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 501 | $3.7M |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 17 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.