| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DRIVE SUITE 300 WOODBURY, NY 11797 | EMBLEM HEALTH | $94K | — | $94K | 3.85% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DRIVE SUITE 300 WOODBURY, NY 11797 | EMBLEM HEALTH | $67K | — | $67K | 3.15% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS. & FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | EMBLEM HEALTH | $31K | — | $31K | 1.47% |
| CONFERENCE ASSOCIATES INC | 180 E MAIN ST PATCHOGUE, NY 11772 | STANDARD LIFE INS CO OF NY | $14K | — | $14K | 5.60% |
| ROBERT FEINER | 99 WEST HAWTHORNE AVENUE SUITE 500 VALLEY STREAM, NY 11580 | STANDARD LIFE INS CO OF NY | $4K | — | $4K | 1.63% |
| KATZ NASSAU AGENCY INC | 100 MERRICK RD SUITE 108E ROCKVILLE CENTRE, NY 11570 | STANDARD LIFE INS CO OF NY | $1K | — | $1K | 0.54% |
| CONFERENCE ASSOCIATES INC | 180 E MAIN STREET PATCHOGUE, NY 11772 | STANDARD OF NEW YORK | $12K | — | $12K | 5.16% |
| ROBERT FEINER | 99 WEST HAWTHORNE AVENUE SUITE 500 VALLEY STREAM, NY 11580 | STANDARD OF NEW YORK | $4K | — | $4K | 1.74% |
| JOSEPH R. BOSNACK Filed as: JOSEPH BOSNACK | 14 ADAMS WAY SAYVILLE, NY 11782 | STANDARD OF NEW YORK | $2K | — | $2K | 0.99% |
| KATZ NASSAU AGENCY INC | 100 MERRICK RD SUITE 108E ROCKVILLE CENTRE, NY 11570 | STANDARD OF NEW YORK | $874 | — | $874 | 0.38% |
| KATZ NASSAU AGENCY INC3 Filed as: KATZ NASSAU AGENCY INC. | 100 MERRICK RD SUITE 108 E ROCKVILLE CENTER, NY 11570 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $9K | $11K | 6.06% |
| ROBERT FEINER3 | 99 WEST HAWTHORNE AVENUE SUITE 500 VALLEY STREAM, NY 11580 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.55% |
| JOSEPH R. BOSNACK3 | 187 ADAMS WAY SAYVILLE, NY 11782 | PRINCIPAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DRIVE SUITE 300 WOODBURY, NY 11797 | EMBLEM HEALTH | $4K | — | $4K | 3.08% |
| ROBERT FEINER | 99 WEST HAWTHORNE AVENUE SUITE 500 VALLEY STREAM, NY 11580 | STANDARD OF NEW YORK | $4K | — | $4K | 6.62% |
| CONFERENCE ASSOCIATES INC | 180 E MAIN ST PATCHOGUE, NY 11772 | STANDARD OF NEW YORK | $3K | — | $3K | 5.79% |
| KATZ NASSAU AGENCY INC | 100 MERRICK RD SUITE 108E ROCKVILLE CENTRE, NY 11570 | STANDARD OF NEW YORK | $1K | — | $1K | 2.42% |
| JOSEPH R. BOSNACK Filed as: JOSEPH BOSNACK | 14 ADAMS WAY SAYVILLE, NY 11782 | STANDARD OF NEW YORK | $240 | — | $240 | 0.42% |
| CONFERENCE ASSOCIATES INC | 180 E MAIN ST PATCHOGUE, NY 11772 | STANDARD LIFE INS CO OF NY | $3K | — | $3K | 5.29% |
| ROBERT FEINER | 99 WEST HAWTHORNE AVENUE SUITE 500 VALLEY STREAM, NY 11580 | STANDARD LIFE INS CO OF NY | $3K | — | $3K | 5.20% |
| KATZ NASSAU AGENCY INC | 100 MERRICK RD SUITE 108E ROCKVILLE CENTRE, NY 11570 | STANDARD LIFE INS CO OF NY | $1K | — | $1K | 2.23% |
| ROBERT FEINER3 | 99 WEST HAWTHORNE AVENUE SUITE 500 VALLEY STREAM, NY 11580 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 5.59% |
| CONFERENCE ASSOCIATES INC | 180 E MAIN ST PATCHOGUE, NY 11772 | STANDARD OF NEW YORK | $2K | — | $2K | 5.75% |
| ROBERT FEINER | 99 WEST HAWTHORNE AVENUE SUITE 500 VALLEY STREAM, NY 11580 | STANDARD OF NEW YORK | $2K | — | $2K | 5.40% |
| KATZ NASSAU AGENCY INC | 100 MERRICK RD SUITE 108E ROCKVILLE CENTRE, NY 11570 | STANDARD OF NEW YORK | $665 | — | $665 | 2.05% |
| JOSEPH R. BOSNACK Filed as: JOSEPH BOSNACK | 14 ADAMS WAY SAYVILLE, NY 11782 | STANDARD OF NEW YORK | $86 | — | $86 | 0.26% |
| CONFERENCE ASSOCIATES INC | 180 E MAIN ST PATCHOGUE, NY 11772 | STANDARD LIFE INS CO OF NY | $2K | — | $2K | 5.06% |
| ROBERT FEINER | 99 WEST HAWTHORNE AVENUE SUITE 500 VALLEY STREAM, NY 11580 | STANDARD LIFE INS CO OF NY | $1K | — | $1K | 4.64% |
| KATZ NASSAU AGENCY INC | 100 MERRICK RD SUITE 108E ROCKVILLE CENTRE, NY 11570 | STANDARD LIFE INS CO OF NY | $623 | — | $623 | 1.99% |
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 | 1,000 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $231K |
| Life insurance(2 contracts, 2 carriers) | STANDARD LIFE INS CO OF NY | 1,000 | $485K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD OF NEW YORK | 37 | $64K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD OF NEW YORK | 37 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.