| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL3 | 50 MAIN STREET, SUITE 320 WHITE PLAINS, NY 10606 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 1133 WESTESTER AVENUE, SUITE S299 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $19K | $19K | 4.12% |
| ZUPNICK ASSOC INS SERVICES CORP3 | 1274 49TH STREET, SUITE 33 BROOKLYN, NY 11219 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 2.58% |
| ZUPNICK ASSOC INS SERVICES CORP3 | 1274 49TH STREET, SUITE 33 BROOKLYN, NY 11219 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.91% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11K | $701 | $11K | 10.51% |
| BARUCH KLAHR3 | 100 DUTCH HILL ROAD, SUITE 220 ORANGEBURG, NY 10962 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.80% |
| WORKSITE WHEELHOUSE & OTHER AGENTS3 | 103-107 CHURCH STREET, APARTMENT 3 PHILADELPHIA, PA 19106 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6K | $909 | $7K | 6.82% |
| ZUPNICK ASSOC INSURANCE SERVICES3 | 1274 49TH STREET BROOKLYN, NY 11219 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.11% |
| LAUREN JACOBS3 | 364 RED MAPLE DRIVE WEST WANTAGH, NY 11793 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.55% |
| PAULETTE VICTORIA WALKER3 | 1425 PARK PLACE BROOKLYN, NY 11213 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.74% |
| ERIC ISIDRO PEREZ3 | 1274 CROES AVENUE BRONX, NY 10472 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.51% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $142 | $266 | 7.93% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH STREET, APARTMENT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | $64 | $192 | 5.73% |
| ISABEL BERARTEZ3 | 2941 ASPEN DRIVE ABILENE, TX 79601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $176 | $0 | $176 | 5.25% |
| ZUPNICK ASSOC INS SERVICES CORP3 | 1274 49TH STREET BROOKLYN, NY 11219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $0 | $168 | 5.01% |
| TAMARA ANN BUSCHER3 | 1318 SOUTH WINTERBROOKE DRIVE OLATHE, KS 66062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | $5 | $74 | 2.21% |
| RON BOWLING3 | 8575 W110TH STREET, SUITE 210 OVERLAND PARK, KS 66210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | 0.36% |
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 | 468 | 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) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 569 | $455K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 569 | $455K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 468 | $218K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 468 | $108K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 468 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.