| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $84K | $0 | $84K | 3.27% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $4K | $10K | 0.38% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.59% |
| JNAZ INC3 | 145 MIDDLEFIELD ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $351 | $2K | 3.85% |
| MJ INSURANCE3 Filed as: MICHEL GUTIERREZ AND VARIOUS AGENTS | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $85 | $2K | 2.83% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.87% |
| AMARILLIS ALTAGRACIA CSIKORTOS3 Filed as: AMARILLIS CSIKORTOS | 480 CREEK TERRACE DRIVE SAGINAW, MI 76131 | THE PAUL REVERE LIFE INSURANCE COMPANY | $891 | $61 | $952 | 1.69% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET, SUITE 287 MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $715 | $0 | $715 | 1.27% |
| ELIZABETH HERNANDEZ3 | 245 WEST 72ND STREET NEW YORK, NY 10023 | THE PAUL REVERE LIFE INSURANCE COMPANY | $570 | $3 | $573 | 1.02% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $987 | $765 | $2K | 21.97% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 10.49% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $2 | $22 | 5.37% |
| JNAZ INC3 | 145 MIDDLEFIELD ROAD NORTHPORT, NY 11768 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $2 | $19 | 4.63% |
| CLARICE D LEWIS LLC3 Filed as: CLARICE D. LEWIS LLC | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | 2.93% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 2.44% |
| MJ INSURANCE3 Filed as: MCO PARTNERS AND VARIOUS AGENTS | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.73% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 299 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 299 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 299 | $2.6M |
| Life insurance(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 492 | $65K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 299 | $2.6M |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 492 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.