| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | $75K | $0 | $75K | 4.29% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II, SUITE 30 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $4K | $10K | 8.12% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 4.25% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | EMBLEMHEALTH | $2K | $0 | $2K | 3.85% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.69% |
| JNAZ INC3 Filed as: JNAZ INC. | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $40 | $1K | 3.66% |
| MARY-JOYCE LICATA3 Filed as: MARY-JOYCE LICATA AND OTHER AGENTS | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $86 | $1K | 3.43% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $758 | $94 | $852 | 2.11% |
| ANDREW HAHN3 Filed as: ANDREW HAN | 14 FOX LANE LAKE GROVE, NY 11755 | THE PAUL REVERE LIFE INSURANCE COMPANY | $578 | $71 | $649 | 1.61% |
| YOCASTA N HAHN3 Filed as: YOCASTA N. HAHN | 7 OAKWOOD STREET GREENLAWN, NY 11740 | THE PAUL REVERE LIFE INSURANCE COMPANY | $537 | $0 | $537 | 1.33% |
| KEVIN MURPHY3 Filed as: KEVIN BROOKS | 97 ROCKLAND LANE SPRING VALLEY, NY 10977 | THE PAUL REVERE LIFE INSURANCE COMPANY | $367 | $70 | $437 | 1.08% |
| EMERSON REID LLC3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | $848 | $2K | 21.29% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $10 | $38 | 8.70% |
| JNAZ INC3 Filed as: JNAZ INC. | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 2.97% |
| SHARON DANIELS3 | 65 ROFF STREET STATEN ISLAND, NY 10304 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 2.06% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 1.60% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 221 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $117K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $117K |
| Life insurance(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 448 | $50K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 221 | $1.8M |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 448 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.