| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $137K | $22K | $159K | 4.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.58% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | VISION SERVICE PLAN | $954 | $0 | $954 | 4.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 461 PANTIAGO ROAD EAST HAMPTON, NY 11937 | THE PAUL REVERE LIFE INSURANCE COMPANY | $390 | $0 | $390 | 1.90% |
| VENESSA N DEAN3 Filed as: VENESSA N. DEAN | 1052 ASHFORD AVENUE SAN JUAN, PR 00907 | THE PAUL REVERE LIFE INSURANCE COMPANY | $268 | $0 | $268 | 1.31% |
| MJ INSURANCE3 Filed as: PATRICK KIERNAN AND VARIOUS AGENTS | 52A MAPLE AVENUE BAY SHORE, NY 11706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $236 | $4 | $240 | 1.17% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E. BERG | 319 THOMASTON ROAD WATERTOWN, CT 06795 | THE PAUL REVERE LIFE INSURANCE COMPANY | $147 | $0 | $147 | 0.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | THE PAUL REVERE LIFE INSURANCE COMPANY | $115 | $0 | $115 | 0.56% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $104 | $10 | $114 | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 770 LEXINGTON AVENUE, 14TH FLOOR NEW YORK, NY 10065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $110 | $0 | $110 | 0.54% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $189 | $285 | 19.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $0 | $98 | 6.70% |
| RODOVALDO RODRIGUEZ3 | 6606 GRANTON AVENUE, SUITE A-6 NORTH BERGEN, NJ 07047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $2 | $46 | 3.14% |
| VENESSA N DEAN3 Filed as: VENESSA N. DEAN | 1052 ASHFORD AVENUE SAN JUAN, PR 00907 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 1.09% |
| ALEXANDRA LLANO3 | 9 ALFRED PLACE LITTLE FERRY, NJ 07643 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.68% |
| MJ INSURANCE3 Filed as: WALTER BONILLA AND VARIOUS AGENTS | 9 LONGLEAF LANE MEDFORD, NY 11763 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.55% |
| PATRICK MICHAEL KIERNAN3 | 52A MAPLE AVENUE BAY SHORE, NY 11706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.34% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 448 | $3.6M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 448 | $3.6M |
| Vision | VISION SERVICE PLAN | 124 | $22K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 448 | $3.6M |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 18 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.