| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS, LLC | 395 N SERVICE RD SUITE 206 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | — | $76K | 12.01% |
| DONALD C SAVOY INC3 | 200 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | ROUND TABLE STUDIOS 200 CONNELL DR SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.22% |
| DAVID RISPLER3 | 35 KERI WAY WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 13.86% |
| DONALD C SAVOY INC3 | 200 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $874 | $874 | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | ROUND TABLE STUDIOS 200 CONNELL DR SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $98 | $98 | 0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW RD MELVILLE, NY 11747 | THE PAUL REVERE LIFE INSURANCE COMPANY | $731 | — | $731 | 3.90% |
| JEFF M NEWMAN3 | 1007 E SHORE DR UNIT B BRIGANTINE, NJ 08203 | THE PAUL REVERE LIFE INSURANCE COMPANY | $300 | — | $300 | 1.60% |
| J DAVID AND ASSOCIATES INC3 Filed as: DAVID BRETT RISPLER | 395 NORTH SERVICE ROAD MELVILLE, NY 11747 | THE PAUL REVERE LIFE INSURANCE COMPANY | $258 | — | $258 | 1.38% |
| MCO PARTNERS LLC3 | 6 LATHROP AVE UNIT B MADISON, NJ 07940 | THE PAUL REVERE LIFE INSURANCE COMPANY | $241 | — | $241 | 1.29% |
| HARRY LORE3 | 4 GLANFORD XING MEDFORD, NJ 08055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $153 | — | $153 | 0.82% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVE APT 107 UNION, NJ 07083 | THE PAUL REVERE LIFE INSURANCE COMPANY | $65 | — | $65 | 0.35% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DR SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | THE PAUL REVERE LIFE INSURANCE COMPANY | $65 | — | $65 | 0.35% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 W 39TH ST RM 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.34% |
| IQBAL SINGH BAGGA3 | 10510 66TH AVE APT 5C FOREST HILLS, NY 11375 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | $37 | $49 | 0.26% |
| ANDREW THOMAS CABRERA3 | 56 SUMMIT CT WESTFIELD, NJ 07090 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $12 | $31 | 0.17% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PL STATEN ISLAND, NJ 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | $2 | $19 | 0.10% |
| SOTERIA PARTNERS LLC3 | 77 HAGGERTY DR WEST ORANGE, NJ 07052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.07% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATIONAL ENROLLMENT PARTNERS CRANSTON, RI 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | $1 | $13 | 0.07% |
| TUCTO & ASSOCIATES CORP3 | 16 OCEAN PKWY BROOKLYN, NY 11218 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.07% |
| JESSICA GALLIPOLI3 | 63 HOBART PL TOTOWA, NJ 07512 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| DAVID RISPLER3 | 35 KERI WAY SUITE 206 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $426 | — | $426 | 13.98% |
| DONALD C SAVOY INC3 | 200 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $137 | $137 | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | ROUND TABLE STUDIOS 200 CONNELL DR SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $15 | $15 | 0.49% |
| HARRY LORE3 | 4 GLANFORD XING MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $20 | $124 | 29.67% |
| J DAVID AND ASSOCIATES INC3 Filed as: DAVID BRETT RISPLER | 395 N SERVICE RD MELVILLE, NY 11747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 27.03% |
| JEFF M NEWMAN3 | 1007 E SHORE DR UNIT B BRIGANTINE, NJ 08203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $25 | $81 | 19.38% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATIONAL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $12 | $21 | 5.02% |
| DONALD C SAVOY INC3 | 200 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 3.83% |
| SOTERIA PARTNERS LLC3 Filed as: SOTERIA PARTNER LLC | 77 HAGGERTY DR WEST ORANGE, NJ 07052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.96% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 30 | $633K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 30 | $633K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 30 | $633K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 129 | $3K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 130 | $19K |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 130 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.