| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY INC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $164K | $0 | $164K | 3.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY INC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PATNERS INSURANCE CENTER | 461 PANTIAGO ROAD EAST HAMPTON, NY 11937 | THE PAUL REVERE LIFE INSURANCE COMPANY | $380 | $0 | $380 | 1.94% |
| VENESSA N DEAN3 Filed as: VENESSA DEAN | 1052 ASHFORD AVENUE, APARTMENT 802 SAN JUAN, PR 00907 | THE PAUL REVERE LIFE INSURANCE COMPANY | $250 | $0 | $250 | 1.28% |
| MJ INSURANCE3 Filed as: PATRICK KIERNAN AND VARIOUS AGENTS | 28 SEAFIELD LANE BAY SHORE, NY 11706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $229 | $0 | $229 | 1.17% |
| EILEEN BERG3 | 319 THOMASTON ROAD WATERTOWN, CT 06795 | THE PAUL REVERE LIFE INSURANCE COMPANY | $144 | $0 | $144 | 0.74% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSNIPPANY, NY 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $101 | $17 | $118 | 0.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY INC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | THE PAUL REVERE LIFE INSURANCE COMPANY | $110 | $0 | $110 | 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 | $100 | $0 | $100 | 0.51% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $131 | $260 | 25.84% |
| VENESSA N DEAN3 Filed as: VENESSA DEAN | 1052 ASHFORD AVENUE, APARTMENT 802 SAN JUAN, PR 00907 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 1.49% |
| NORMA STEELE3 | 1468 HANCOCK STREET ELMONT, NY 11003 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4 | $4 | 0.40% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES AND OTHER AGENTS | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.30% |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 450 | $4.7M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 450 | $4.7M |
| Vision | VISION SERVICE PLAN | 122 | $21K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 450 | $4.7M |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 17 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.