| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS, LLC | 47 OLD RIDGEFIELD ROAD WILTON, CT 06897 | STANDARD SECURITY LIFE INSURANCE CO. OF NY | $56K | — | $56K | 15.00% |
| INVESTORS MUTUAL AGENCY INC3 Filed as: INVESTORS STRATEGY CORPORATION | 670 WHITE PLAINS ROAD SCARSDALE, NY 10583 | SUN LIFE AND HEALTH INSURANCE COMPANY | $15K | — | $15K | 9.03% |
| EMERSON REID LLC3 | 350 5TH AVE, SUITE 3700 NEW YORK, NY 10118 | SUN LIFE AND HEALTH INSURANCE COMPANY | $466 | — | $466 | 0.29% |
| THE JEM AGENCY LLC3 | 50 WINDMILL ROAD ARMONK, NY 10504 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.40% |
| JAY Z GERLITZ & ASSOCIATES INC.3 | 207 BRIARWOOD DRIVE SOMERS, NY 10589 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.86% |
| BARBARA MOSCHELLA3 | 2 LAKE SOMERSET COURT BLUFFTON, SC 29909 | THE PAUL REVERE LIFE INSURANCE COMPANY | $648 | — | $648 | 1.22% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $458 | $16 | $474 | 0.89% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVE DEER PARK, NY 11729 | THE PAUL REVERE LIFE INSURANCE COMPANY | $98 | $41 | $139 | 0.26% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 435 DEVON PARK DR STE 410 WAYNE, PA 19087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.11% |
| WENDY BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.11% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $41 | $11 | $52 | 0.10% |
| JAMEL WRIGHT3 | 1517 RIVERSIDE STATION BLVD SECAUCUS, NJ 07094 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JAY Z GERLITZ & ASSOCIATES INC.3 Filed as: JAY Z. GERLITZ AND ASSOCIATES INC | 207 BRIARWOOD DRIVE SOMERS, NY 10589 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 8.50% |
| THE JEM AGENCY LLC3 | 50 WINDMILL ROAD ARMONK, NY 10504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $310 | — | $310 | 3.03% |
| JAY Z GERLITZ & ASSOCIATES INC.3 Filed as: JAY Z GERLITZ & ASSOCIATES, INC. | 207 BRIARWOOD DRIVE SOMERS, NY 10589 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | — | $278 | 2.72% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $116 | $180 | 1.76% |
| JAMES E CRUTCHFIELD3 | 960 BLOOMFIELD AVE GLEN RIDGE, NJ 07028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 1.09% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR STE 410 WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.09% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.09% |
| WENDY BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.06% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD SECURITY LIFE INSURANCE CO. OF NY | 216 | $374K |
| Vision | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 203 | $42K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 321 | $225K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 321 | $225K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 321 | $162K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE INSURANCE CO. OF NY | 216 | $374K |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 321 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.