| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | 135 CROSSWAY PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | $76K | $0 | $76K | 3.80% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 3.26% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | 135 CROSSWAY PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 2.01% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 12.09% |
| JNAZ INC3 Filed as: JNAZ INC. | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.73% |
| MIRIAM ESPERANZA YOUNAN3 Filed as: MIRIAM E. YOUNAN AND OTHER AGENTS | 41 WEST 17TH STREET BAYONNE, NJ 07002 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $323 | $4K | 3.50% |
| ELIZABETH HERNANDEZ3 | 245 WEST 72ND STREET NEW YORK, NY 10023 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $234 | $3K | 2.50% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $509 | $3K | 2.46% |
| KIM MARIE DIGIACOMO3 | 19 ALIZE DRIVE KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $630 | $124 | $754 | 0.69% |
| AMARILLIS ALTAGRACIA CSIKORTOS3 | 6414 ALEXANDRA MEADOWS DRIVE FORTWORTH, TX 76131 | THE PAUL REVERE LIFE INSURANCE COMPANY | $609 | $28 | $637 | 0.58% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | $522 | $2K | 17.61% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $0 | $125 | 18.01% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $11 | $58 | 8.36% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $17 | $43 | 6.20% |
| CLARICE D LEWIS LLC3 Filed as: CLARICE D. LEWIS LLC | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $4 | $37 | 5.33% |
| JNAZ INC3 Filed as: JNAZ INC. | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 4.90% |
| CD FRAZIER ASSOCIATES INC3 Filed as: CD FRAZIER ASSOCIATES INC. | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $3 | $17 | 2.45% |
| MJ INSURANCE3 Filed as: MCO PARTNERS LLC AND VARIOUS AGENTS | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $5 | $13 | 1.87% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 271 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $135K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $135K |
| Life insurance(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 410 | $120K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 271 | $2.0M |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 410 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.