| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | MVP HEALTHCARE | $13K | — | $13K | 3.70% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | $1K | $985 | $2K | 13.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY ST 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | — | $226 | $226 | 1.31% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, NY 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $1K | $2K | 17.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY ST 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $164 | $164 | 1.24% |
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | THE PAUL REVERE LIFE INSURANCE COMPANY | $854 | — | $854 | 9.45% |
| ROSEMARY MILLER3 | 30 ORCHARD ST NORWALK, CT 06850 | THE PAUL REVERE LIFE INSURANCE COMPANY | $359 | — | $359 | 3.97% |
| MEGAN Z CULVER3 Filed as: MEGAN Z. CULVER | 3 GORING PL WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $164 | $42 | $206 | 2.28% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $96 | $7 | $103 | 1.14% |
| JASON LOUIS KOSCO3 | 31 JESSE CT MONTVILLE, NJ 07045 | THE PAUL REVERE LIFE INSURANCE COMPANY | $76 | — | $76 | 0.84% |
| CORPORATE HEALTH MANAGEMENT LLC3 | 8 SPRUCE ST, APT 75 T NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | $25 | $62 | 0.69% |
| KIMANI MATTHEW3 | 52 CANTON ROAD WEST SIMSBURY, CT 06092 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.29% |
| JASON SCZEPANIAK3 Filed as: JASON C. SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | $2 | $24 | 0.27% |
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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 97 | $31K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 97 | $13K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 97 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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."
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.