| 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 FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FINANCIAL | 12404 PARK CENTRAL DR DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 1.53% |
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | CDPHP | $7K | — | $7K | 3.75% |
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 7.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | COMPANION LIFE INSURANCE COMPANY | — | $714 | $714 | 3.76% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS | 2 ENTERPRISE DRIVE STE 204 SHELTON, CT 06484 | COMPANION LIFE INSURANCE COMPANY | — | $236 | $236 | 1.24% |
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 9.61% |
| 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 | — | $506 | $506 | 3.74% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS | 2 ENTERPRISE DRIVE STE 204 SHELTON, CT 06484 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $170 | $170 | 1.26% |
| EMERY & WEBB INC3 | 989 MAIN STREET FISHKILL, NY 12524 | THE PAUL REVERE LIFE INSURANCE COMPANY | $146 | — | $146 | 2.19% |
| SOTERIA PARTNERS LLC3 | 550 W 29TH ST APT 3A NEW YORK, NY 10001 | THE PAUL REVERE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.81% |
| JASON LOUIS KOSCO3 | 833 PACIFIC COMMONS DR MYRTLE BEACH, SC 29575 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.44% |
| ZEBEST INC3 | 2055 RESTON CIR ROYAL PALM BEACH, FL 33411 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.39% |
| JASON SCZEPANIAK3 Filed as: JASON C. SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.15% |
| KIMANI MATTHEW3 | 52 CANTON ROAD WEST SIMSBURY, CT 06092 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.09% |
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)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 114 | $857K |
| 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 | 94 | $39K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 94 | $14K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 94 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.