| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INVESTORS MUTUAL AGENCY INC3 Filed as: INVESTORS STRATEGY CORPORATION | 670 WHITE PLAINS ROAD SCARSDALE, NY 10583 | SUN LIFE AND HEALTH INSURANCE COMPANY | $14K | — | $14K | 6.47% |
| EMERSON REID LLC3 | 350 5TH AVE, SUITE 3700 NEW YORK, NY 10118 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 1.06% |
| INVESTORS MUTUAL AGENCY INC3 Filed as: INVESTORS STRATEGY CORPORATION | 670 WHITE PLAINS ROAD SCARSDALE, NY 10583 | SUN LIFE AND HEALTH INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| EMERSON REID LLC3 | 350 5TH AVE, SUITE 3700 NEW YORK, NY 10118 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| EMERSON REID LLC3 | 5200 N PALM AVE, STE 114 FRESNO, CA 93704 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $904 | $904 | 1.42% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8K | $39 | $8K | 12.88% |
| THE JEM AGENCY LLC3 | 50 WINDMILL ROAD ARMONK, NY 10504 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.19% |
| JAY Z GERLITZ & ASSOCIATES INC.3 Filed as: JAY Z GERLITZ & ASSOCIATES, INC. | 207 BRIARWOOD DRIVE SOMERS, NY 10589 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.14% |
| BARBARA MOSCHELLA3 | 2 LAKE SOMERSET COURT BLUFFTON, SC 29909 | THE PAUL REVERE LIFE INSURANCE COMPANY | $753 | — | $753 | 1.19% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR STE 410 WAYNE, PA 19087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $75 | — | $75 | 0.12% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVE DEER PARK, NY 11729 | THE PAUL REVERE LIFE INSURANCE COMPANY | $63 | $8 | $71 | 0.11% |
| WENDY BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $69 | — | $69 | 0.11% |
| JAMEL WRIGHT3 | 1517 RIVERSIDE STATION BLVD SECAUCUS, NJ 07094 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 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 | $2K | — | $2K | 11.17% |
| JAY Z GERLITZ & ASSOCIATES INC.3 | 207 BRIARWOOD DRIVE SOMERS, NY 10589 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.06% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | $604 | $851 | 4.98% |
| JAMES E CRUTCHFIELD3 | 960 BLOOMFIELD AVE GLEN RIDGE, NJ 07028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $2 | $55 | 0.32% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.08% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 435 DEVON PARK DR STE 410 WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.08% |
| WENDY BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| INVESTORS MUTUAL AGENCY INC3 Filed as: INVESTORS STRATEGY CORPORATION | 670 WHITE PLAINS ROAD SCARSDALE, NY 10583 | SUN LIFE AND HEALTH INSURANCE COMPANY | $705 | — | $705 | 6.85% |
| EMERSON REID LLC3 | 350 5TH AVE, SUITE 3700 NEW YORK, NY 10118 | SUN LIFE AND HEALTH INSURANCE COMPANY | $353 | — | $353 | 3.43% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 256 | $52K |
| Life insurance(4 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 336 | $362K |
| Short-term disability(4 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 336 | $362K |
| Long-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 336 | $282K |
| Other(5 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 336 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.