| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $23K | — | $23K | 3.46% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS AGENCY & FINANCIAL | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 1.53% |
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 7.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE. STE S229 WHITE PLAINS, NY 10604 | COMPANION LIFE INSURANCE COMPANY | — | $987 | $987 | 5.00% |
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 9.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE. STE S229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $690 | $690 | 5.00% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.52% |
| JASON LOUIS KOSCO3 | 833 PACIFIC COMMONS DR MYRTLE BEACH, SC 29575 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.37% |
| ZEBEST INC3 | 2055 RESTON CIR ROYAL PALM BEACH, FL 33411 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.33% |
| SOTERIA PARTNERS LLC3 | 550 W 29TH ST APT 3A NEW YORK, NY 10001 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.18% |
| JASON SCZEPANIAK3 Filed as: JASON C. SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.12% |
| KIMANI MATTHEW3 | 52 CANTON ROAD WEST SIMSBURY, CT 06092 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.04% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 114 | $661K |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 114 | $661K |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 114 | $661K |
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 156 | $41K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 99 | $14K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 99 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.