| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | MVP HEALTHCARE | $14K | — | $14K | 4.75% |
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | CDPHP | $10K | — | $10K | 3.75% |
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 7.64% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 5.89% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS | 2 ENTERPRISE DRIVE STE 204 SHELTON, CT 06484 | COMPANION LIFE INSURANCE COMPANY | — | $525 | $525 | 2.94% |
| AMWINS Filed as: AMWINS CONNECT INSURANCE SVCS | 50 WHITECAP DRIVE NORTH KINGTOWN, RI 02852 | COMPANION LIFE INSURANCE COMPANY | — | $368 | $368 | 2.06% |
| 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 | — | $219 | $219 | 1.23% |
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 9.60% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, NY 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $780 | $780 | 5.99% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS | 2 ENTERPRISE DRIVE STE 204 SHELTON, CT 06484 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $384 | $384 | 2.95% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS | 50 WHITECAP DRIVE NORTH KINGTOWN, RI 02852 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $268 | $268 | 2.06% |
| 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 | — | $163 | $163 | 1.25% |
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | THE PAUL REVERE LIFE INSURANCE COMPANY | $255 | — | $255 | 2.87% |
| ZEBEST INC3 | 3 GORING PL WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.71% |
| SOTERIA PARTNERS LLC3 | 8 SPRUCE STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.63% |
| JASON LOUIS KOSCO3 | 481 RYCOLA CIRCLE SURFSIDE BEACH, SC 29575 | THE PAUL REVERE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.43% |
| JASON SCZEPANIAK3 Filed as: JASON C. SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| KIMANI MATTHEW3 | 52 CANTON ROAD WEST SIMSBURY, CT 06092 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.06% |
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 |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTHCARE | 57 | $545K |
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 97 | $40K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.