| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTRUST BUSINESS PARTNERS LLC3 | 412 E MADISON ST STE 809 TAMPA, FL 336024616 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 3.29% |
| ASCELA PARTNERS LLC3 | 200 CONTINENTAL DR STE 209 NEWARK, DE 197134335 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 2.74% |
| DONALD C SAVOY INC NJ3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.37% |
| B C D & K BENEFIT SERVICES LLC3 | 412 E MADISON ST #809 TAMPA, FL 33602 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $412 | $412 | 0.07% |
| MICHAEL E ROSENZWEIG3 | 2424 N FEDERAL HWY ST 318B BOCA RATON, FL 33431 | UNITEDHEALTHCARE INSURANCE COMPANY | -$36 | — | -$36 | -0.01% |
| MARK EHRENREICH3 Filed as: MARK H EHRENREICH | 40 INDEPENDENCE DR MONROE TOWNSHIP, NJ 088313825 | UNITEDHEALTHCARE INSURANCE COMPANY | -$62 | — | -$62 | -0.01% |
| INTRUST BUSINESS PARTNERS LLC3 Filed as: INTRUST BUSINESS PARTNERS | 412 MADISON STREET SUITE 809 TAMPA, FL 33602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.35% |
| BRYAN J GARVIN3 | 120 BROADWAY FL 37 NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.32% |
| STOPOLEVAN3 | 120 BROADWAY FL 37 SUITE S229 NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $746 | — | $746 | 0.99% |
| TOBIN WHITMAN3 | 120 BROADWAY FL 37 NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $195 | — | $195 | 0.26% |
| ASCELA PARTNERS LLC3 Filed as: ASCELA PARTNERS | 200 CONTINENTAL DRIVE NEWARK, DE 19713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 11.61% |
| COLIN KELLY GARVIN3 | 800 WESTCHESTER AVE #N409 RYE BROOK, NY 10573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $621 | $5K | 9.91% |
| KIMANI MATTHEW3 | 132 EAST 4TH ST MT VERNON, NY 10550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $655 | $4K | 7.11% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $125 | $2K | 4.38% |
| JOHN R KLIMCHAK3 Filed as: JOHN BOCK | 8 NEVINWOOD PLACE HUNTINGTON, NY 11743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.90% |
| INTRUST BUSINESS PARTNERS LLC3 | 412 E MADISON STREET TAMPA, FL 33602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $853 | $64 | $917 | 1.83% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $330 | $769 | 1.54% |
| MARK EHRENREICH3 | 20 KING ST MONROE, NC 10950 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $735 | — | $735 | 1.47% |
| FRANCISCO JAVIER RUIZ3 | 15527 FLORIDA BREEZE LOOP WIMAUMA, FL 33598 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | $175 | $620 | 1.24% |
| ABRAHAM OYEWO3 | 1039 EAST 227 STREET BRONX, NY 10466 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | $89 | $461 | 0.92% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | $115 | $409 | 0.82% |
| CRISTINA L SUTTON3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $124 | $295 | 0.59% |
| KASSANDRA MARIE WILL3 | 2315 BARKWOOD PASS CLEARWATER, FL 33763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $108 | $156 | 0.31% |
| BRYAN J GARVIN3 Filed as: BRYAN JOSEPH GARVIN | 26 STONE FENCE RD BERNARDSVILLE, NJ 07924 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.18% |
| TOBIN MCRAE WHITMAN3 | 120 BROADWAY NEW YORK, NY 10271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $686 | $5K | 10.51% |
| ASCELA PARTNERS LLC3 Filed as: ASCELA PARTNERS | 200 CONTINENTAL DRIVE NEWARK, DE 19713 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.01% |
| MARK EHRENREICH3 | 20 KING ST MONROE, NY 10950 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.01% |
| COLIN KELLY GARVIN3 | 800 WESTCHESTER AVE #N409 RYE BROOK, NC 10573 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $523 | $3K | 5.90% |
| CHRISTOPHER RICKS3 | 10 BANK STREET WHITE PLAINS, NY 10606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $288 | $2K | 3.95% |
| JOHN R KLIMCHAK3 Filed as: JOHN BOCK | 8 NEVINWOOD PLACE HUNTINGTON, NY 11743 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.63% |
| GIANNA DAMBROSIO3 | 23 LONGVIEW DRIVE MAHOPAC, NY 10541 | THE PAUL REVERE LIFE INSURANCE COMPANY | $509 | $602 | $1K | 2.47% |
| TOBIN MCRAE WHITMAN3 | 120 BROADWAY NEW YORK, NY 10271 | THE PAUL REVERE LIFE INSURANCE COMPANY | $511 | — | $511 | 1.14% |
| ABRAHAM OYEWO3 | 1039 EAST 227 STREET BRONX, NY 10466 | THE PAUL REVERE LIFE INSURANCE COMPANY | $415 | $80 | $495 | 1.10% |
| KIMANI MATTHEW3 | 132 EAST 4TH ST MT VERNON, NY 10550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $226 | $110 | $336 | 0.75% |
| KATHRYN SCHAEFER3 | 127 PARK AVE EASTCHESTER, NY 10709 | THE PAUL REVERE LIFE INSURANCE COMPANY | $309 | — | $309 | 0.69% |
| ROBERT W SABOL3 | 24 STEVENSON AVE CORTLANDT MNR, NY 10567 | THE PAUL REVERE LIFE INSURANCE COMPANY | $47 | $101 | $148 | 0.33% |
| MELANIE F COLON3 | 33 CODDINGTON AVE NORTH PLAINFIELD, NJ 07060 | THE PAUL REVERE LIFE INSURANCE COMPANY | $123 | — | $123 | 0.27% |
| BRYAN J GARVIN3 Filed as: BRYAN JOSEPH GARVIN | 26 STONE FENCE RD BERNARDSVILLE, NJ 07924 | THE PAUL REVERE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.15% |
| FRANCISCO JAVIER RUIZ3 | 15527 FLORIDA BREEZE LOOP WIMAUMA, FL 33598 | THE PAUL REVERE LIFE INSURANCE COMPANY | $50 | $15 | $65 | 0.14% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | $9 | $33 | 0.07% |
| CHRISTINA L SUTTON3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| KASSANDRA MARIE WILL3 | 2315 BARKWOOD PASS CLEARWATER, FL 33763 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $589K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $76K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $76K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $171K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.