| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERY & WEBB INC | 989 MAIN STREET FISHKILL, NY 12524 | AETNA | $13K | — | $13K | 3.65% |
| PROFESSIONAL GROUP PLANS INC Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | AETNA | $2K | — | $2K | 0.60% |
| PROFESSIONAL PENSIONS INC | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | $1K | $438 | $2K | 10.16% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $653 | $2K | 14.62% |
| ROSEMARY MILLER | 30 ORCHARD STREET NORWALK, CT 06850 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $735 | $2K | 28.17% |
| EMERY & WEBB INC | 989 MAIN STREET FISHKILL, NY 12524 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 17.42% |
| HOWARD DILEMA | 8 SPRUCE STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $110 | $298 | $408 | 5.46% |
| CORPORATE HEALTH MANAGEMENT LLC | 8 SPRUCE STREET, APT 75B NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $92 | $236 | $328 | 4.39% |
| JASON LOUIS KOSCO | 31 JESSE COURT MONTVILLE, NJ 07045 | THE PAUL REVERE LIFE INSURANCE COMPANY | $202 | $46 | $248 | 3.32% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
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.