| 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 | AETNA LIFE INSURANCE CO. | $56K | $5K | $61K | 2.63% |
| 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 | 5.18% |
| SOTERIA PARTNERS LLC3 | 550 WEST 29TH STREET, APARTMENT 3A NEW YORK, NY 10001 | THE PAUL REVERE LIFE INSURANCE COMPANY | $427 | $80 | $507 | 2.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 461 PANTIAGO ROAD EAST HAMPTON, NY 11937 | THE PAUL REVERE LIFE INSURANCE COMPANY | $371 | $0 | $371 | 1.82% |
| 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 | $348 | $0 | $348 | 1.70% |
| VENESSA N DEAN3 Filed as: VENESSA DEAN | 1052 AVENUE ASHFORD, APARTMENT 802 SAN JUAN, PR 00907 | THE PAUL REVERE LIFE INSURANCE COMPANY | $243 | $0 | $243 | 1.19% |
| PATRICK MICHAEL KIERNAN3 Filed as: PATRICK KIERNAN AND OTHER AGENTS | 28 SEAFIELD LANE BAY SHORE, NY 11706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $167 | $1 | $168 | 0.82% |
| ELLEN E BERG3 Filed as: ELLEN BERG | 319 THOMASTON ROAD, UNIT 12 WATERTOWN, CT 06795 | THE PAUL REVERE LIFE INSURANCE COMPANY | $140 | $0 | $140 | 0.69% |
| 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 | 0.49% |
| SOTERIA PARTNERS LLC3 | 550 WEST 29TH STREET, APARTMENT 3A NEW YORK, NY 10001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $19 | $35 | 3.31% |
| VENESSA N DEAN3 Filed as: VENESSA DEAN | 1052 AVENUE ASHFORD, APARTMENT 802 SAN JUAN, PR 00907 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 1.42% |
| 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 | $13 | $0 | $13 | 1.23% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.28% |
| PATRICK MICHAEL KIERNAN3 Filed as: PATRICK KIERNAN AND OTHER AGENTS | 28 SEAFIELD LANE BAY SHORE, NY 11706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.09% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 518 | $2.3M |
| Dental | AETNA LIFE INSURANCE CO. | 518 | $2.3M |
| Vision | VISION SERVICE PLAN | 133 | $23K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 518 | $2.3M |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 16 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.