| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 3.47% |
| ZUPNICK ASSOC INS SERVICES CORP3 Filed as: ZUPNICK ASSOCIATES INS SVCS CORP | 1274 49TH STREET, SUITE 33 BROOKLYN, NY 11219 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 2.56% |
| BARUCH KLAHR3 | 100 DUTCH HILL ROAD, SUITE 220 ORANGEBURG, NY 10962 | THE PAUL REVERE LIFE INURANCE COMPANY | $15K | $179 | $15K | 12.05% |
| ZUPNICK ASSOC INS SERVICES CORP3 Filed as: ZUPNICK ASSOCIATES INS SVCS CORP | 1274 49TH STREET, SUITE 33 BROOKLYN, NY 11219 | THE PAUL REVERE LIFE INURANCE COMPANY | $4K | $0 | $4K | 2.84% |
| SOTERIA PARTNERS LLC3 | 550 WEST 29TH STREET, APARTMENT 3A NEW YORK, NY 10001 | THE PAUL REVERE LIFE INURANCE COMPANY | $3K | $385 | $3K | 2.41% |
| ANZA & ANZA AND ASSOCIATES3 | 367 HIGH CREST DRIVE WEST MILFORD, NJ 07480 | THE PAUL REVERE LIFE INURANCE COMPANY | $632 | $0 | $632 | 0.51% |
| GURDEEP K. SOKHEY3 Filed as: GURDEEP SOKHEY AND OTHER AGENTS | 1837 STUYVESANT AVENUE EAST MEADOW, NY 11554 | THE PAUL REVERE LIFE INURANCE COMPANY | $608 | $10 | $618 | 0.50% |
| JASON LOUIS KOSCO3 Filed as: JASON KOSCO | 833 PACIFIC COMMONS DRIVE MYRTLE BEACH, SC 29575 | THE PAUL REVERE LIFE INURANCE COMPANY | $187 | $0 | $187 | 0.15% |
| PAULETTE VICTORIA WALKER3 Filed as: PAULETTE WALKER | 1425 PARK PLACE BROOKLYN, NY 11213 | THE PAUL REVERE LIFE INURANCE COMPANY | $175 | $0 | $175 | 0.14% |
| ZUPNICK ASSOC INS SERVICES CORP3 Filed as: ZUPNICK ASSOCIATES INS SVCS CORP | 1274 49TH STREET, SUITE 33 BROOKLYN, NY 11219 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.20% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $607 | $3K | 3.63% |
| BARUCH KLAHR3 | 100 DUTCH HILL ROAD, SUITE 220 ORANGEBURG, NY 10962 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $379 | $59 | $438 | 50.23% |
| SOTERIA PARTNERS LLC3 | 550 WEST 29TH STREET, APARTMENT 3A NEW YORK, NY 10001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $93 | $173 | 19.84% |
| ZUPNICK ASSOC INS SERVICES CORP3 Filed as: ZUPNICK ASSOCIATES INS SVCS CORP | 1274 49TH STREET, SUITE 33 BROOKLYN, NY 11219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 8.60% |
| ROBERT W SABOL3 Filed as: ROBERT SABOL | 24 STEVENSON AVENUE CORTLANDT MANOR, NY 10567 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.11% |
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 | 415 | 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) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 747 | $365K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 747 | $365K |
| Life insurance(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INURANCE COMPANY | 415 | $221K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 415 | $96K |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INURANCE COMPANY | 415 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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.