| 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 | $80K | $0 | $80K | 3.13% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.23% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 0.19% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSRUANCE COMPANY | $13K | $0 | $13K | 9.25% |
| AMARILIS ALTAGRACIA CSIKORTOS3 Filed as: AMARILIS CSIKORTOS AND MISC AGENTS | 480 CREEK TERRACE DRIVE SAGINAW, TX 76131 | THE PAUL REVERE LIFE INSRUANCE COMPANY | $5K | $186 | $5K | 3.50% |
| PAUL MARTIN WALKINGTON3 | 10100 SW 99 AVENUE MIAMI, FL 33176 | THE PAUL REVERE LIFE INSRUANCE COMPANY | $3K | $0 | $3K | 1.91% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | THE PAUL REVERE LIFE INSRUANCE COMPANY | $963 | $1K | $2K | 1.71% |
| JNAZ INC3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSRUANCE COMPANY | $2K | $0 | $2K | 1.52% |
| JEREMY PARKS3 | 504 LITCHFIELD LANE LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSRUANCE COMPANY | $1K | $252 | $2K | 1.22% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSRUANCE COMPANY | $2K | $0 | $2K | 1.16% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.79% |
| MICHELLE DARTEE3 Filed as: MICHELLE DARTEE AND MISC AGENTS | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $35 | $4K | 4.91% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | THE PAUL REVERE LIFE INSURANCE COMPANY | $643 | $1K | $2K | 2.23% |
| PAUL MARTIN WALKINGTON3 | 10100 SW 99 AVENUE MIAMI, FL 33176 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.87% |
| JEREMY PARKS3 | 504 LITCHFIELD LANE LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $192 | $1K | 1.72% |
| AMARILIS ALTAGRACIA CSIKORTOS3 | 480 CREEK TERRACE DRIVE SAGINAW, TX 76131 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $94 | $1K | 1.46% |
| JNAZ INC3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $977 | $0 | $977 | 1.29% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | $981 | $2K | 20.28% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 3.96% |
| JNAZ INC3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 2.90% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 2.11% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 1.06% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $2.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $2.5M |
| Life insurance(4 contracts, 4 carriers) | THE PAUL REVERE LIFE INSRUANCE COMPANY | 586 | $228K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $2.5M |
| Other(4 contracts, 4 carriers) | THE PAUL REVERE LIFE INSRUANCE COMPANY | 586 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.