| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 1133 WESTCHESTER AVENUE SUITE S-229 DALLAS, NY 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $16K | $39K | 9.14% |
| ZUPNICK ASSOC INS SERVICES CORP3 Filed as: ZUPNICK ASSOC INS. SERVICES CORP. | 1274 49TH STREET, SUITE 323 BROOKLYN, NY 11219 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 2.18% |
| ZUPNICK ASSOC INS SERVICES CORP3 Filed as: ZUPNICK ASSOC INS. SERVICES CORP. | 1274 49TH STREET, SUITE 323 BROOKLYN, NY 11219 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.31% |
| BARUCH KLAHR3 | 100 DUTCH HILL ROAD, SUITE 220 ORANGEBURG, NY 10962 | THE PAUL REVERE LIFE INURANCE COMPANY | $6K | $20 | $6K | 16.10% |
| MJ INSURANCE3 Filed as: KEVIN BROOKS AND VARIOUS AGENTS | 97 ROCKLAND LANE SPRING VALLEY, NY 10977 | THE PAUL REVERE LIFE INURANCE COMPANY | $5K | $123 | $5K | 12.28% |
| PAULETTE VICTORIA WALKER3 | 1425 PARK PLACE BROOKLYN, NY 11213 | THE PAUL REVERE LIFE INURANCE COMPANY | $788 | $0 | $788 | 2.02% |
| LAUREN JACOBS3 | 364 RED MAPLE DRIVE WEST WANTAGH, NY 11793 | THE PAUL REVERE LIFE INURANCE COMPANY | $565 | $0 | $565 | 1.45% |
| WALTER THOMAS BONILLA3 | 9 LONGLEAF LANE MEDFORD, NY 11763 | THE PAUL REVERE LIFE INURANCE COMPANY | $171 | $201 | $372 | 0.95% |
| ENROLLEASE3 Filed as: JACQUELINE E. FORBES-CLARKE | 27 HUDSON AVENUE MOUNT VERNON, NY 10553 | THE PAUL REVERE LIFE INURANCE COMPANY | $54 | $0 | $54 | 0.14% |
| KIMANI MATTHEW3 | 52 CANTON ROAD WEST SIMSBURY, CT 06092 | THE PAUL REVERE LIFE INURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| BARUCH KLAHR3 | 5 ETHAN ALLEN DRIVE SUFFERN, NY 10901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 30.58% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 15400 28TH AVENUE NORTH, SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $822 | $0 | $822 | 2.62% |
| BARUCH KLAHR3 | 100 DUTCH HILL ROAD, SUITE 220 ORANGEBURG, NY 10962 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $7 | $59 | 44.36% |
| SOTERIA PARTNERS LLC3 Filed as: SOTERIA PARTNERS, LLC | 550 WEST 29TH STREET, SUITE 3A NEW YORK, NY 10001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $15 | $26 | 19.55% |
| ZUPNICK ASSOC INS SERVICES CORP3 Filed as: ZUPNICK ASSOCIATES INSURANCE SVCS. | 1274 49TH STREET BROOKLYN, NY 11219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 7.52% |
| ROBERT W SABOL3 Filed as: ROBERT W. SABOL | 24 STEVENSON AVENUE CORTLANDT MNR, NY 10567 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 455 | 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) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 838 | $424K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 838 | $424K |
| Life insurance(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 455 | $185K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 455 | $31K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 455 | $114K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 455 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.