| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 01982 | EMPIRE BLUE CROSS BLUE SHIELD | $29K | $5K | $34K | 2.32% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS, LLC | 718 WALT WHITMAN ROAD UNIT 1568 MELVILLE, NY 11747 | EMPIRE BLUE CROSS BLUE SHIELD | $22K | $0 | $22K | 1.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | EMPIRE BLUE CROSS BLUE SHIELD | $0 | $8K | $8K | 0.51% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | EMPIRE BLUE CROSS BLUE SHIELD | $0 | $5K | $5K | 0.33% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $2K | $6K | 7.38% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS, LLC | 718 WALT WHITMAN ROAD UNIT 1568 MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 2.46% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE SUITE S229 DALLAS, TX 75251 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $368 | $368 | 0.46% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 18.08% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY WEST VEVA SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $846 | $7K | 11.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 900 STEWART AVENUE, SUITE 505 GARDEN CITY, NY 11530 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 32.84% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNITE 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.49% |
| ROBERT THOMAS JENSEN3 | 14107 20TH AVENUE WHITESTONE, NY 11357 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.25% |
| JOEL B KARAS3 Filed as: JOEL B. KARAS AND OTHER AGENTS | 7 CUFFLIN STREET BRIGHTON, MA 02135 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.54% |
| RICHARD A ST JEAN3 Filed as: RICHARD A. ST. JEAN | 101 FEDERAL STREET, SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $368 | $2K | 10.61% |
| DANA E ERO3 Filed as: DANA E. ERO | 227 VERBECK AVENUE SCHAGHTICOKE, NY 12154 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.25% |
| EPSIX, INC.3 | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.12% |
| JOEL B KARAS3 Filed as: JOEL B. KARAS | 7 CUFFLIN STREET BRIGHTON, MA 02135 | AFLAC | $4K | $0 | $4K | 21.54% |
| DANA E ERO3 Filed as: DANA E. ERO AND OTHER AGENTS | 5 PINE WEST PLAZA, SUITE 503 ALBANY, NY 12205 | AFLAC | $1K | $0 | $1K | 7.12% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 2000 COMMONWEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $794 | $0 | $794 | 4.34% |
| TRACY L. HANCHETT3 | PO BOX 154 SEVERANCE, NY 12872 | AFLAC | $576 | $0 | $576 | 3.15% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 01982 | AFLAC | $550 | $0 | $550 | 3.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $542 | $0 | $542 | 2.96% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI AND ASSOCIATES, INC. | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $540 | $0 | $540 | 2.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $755 | $377 | $1K | 6.78% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS, LLC | 718 WALT WHITMAN ROAD UNIT 1568 MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $914 | $0 | $914 | 5.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE SUITE S229 DALLAS, TX 75251 | COMPANION LIFE INSURANCE COMPANY | $0 | $383 | $383 | 2.29% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE BLUE CROSS BLUE SHIELD | 174 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $67K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $67K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $105K |
| Short-term disability(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 193 | $165K |
| Long-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 193 | $147K |
| Prescription drug | EMPIRE BLUE CROSS BLUE SHIELD | 174 | $1.5M |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 193 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.