| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $117K | $117K | 7.15% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $35K | $35K | 2.14% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $5K | $12K | 9.38% |
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.04% |
| BARUCH KLAHR3 | 100 DUTCH HILL ROAD ORANGEBURG, NY 10962 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11K | $21 | $11K | 43.18% |
| NORMA STEELE3 | 1468 HANCOCK STREET ELMONT, NY 11003 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $2K | $3K | 13.38% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $325 | $3K | 12.32% |
| RONALD L ROSENBERG3 Filed as: RONALD L ROSENBURG | 1001 READS LANE FAR ROCKAWAY, NY 11691 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.12% |
| KARIN ANGELIS3 | 2639 NORTH RIVERSIDE DRIVE POMPANO BEACH, FL 33062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $243 | — | $243 | 0.99% |
| WALTER THOMAS BONILLA3 | 9 LONGLEAF LANE MEDFORD, NY 11763 | THE PAUL REVERE LIFE INSURANCE COMPANY | $107 | $65 | $172 | 0.70% |
| PATRICK MICHAEL KIERNAN3 | 28 SEAFIELD LANE BAY SHORE, NY 11706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $107 | — | $107 | 0.43% |
| YESENIA A SANCHEZ3 | 1021 DELRIDGE AVENUE ORLANDO, FL 32804 | THE PAUL REVERE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.37% |
| JASON LOUIS KOSCO3 | 481 RYCOLA CIRCLE SURFSIDE BEACH, SC 29575 | THE PAUL REVERE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.26% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $46 | $8 | $54 | 0.22% |
| ALEXANDRO LLANO3 | 9 ALFRED PLACE LITTLE FERRY, NJ 07643 | THE PAUL REVERE LIFE INSURANCE COMPANY | $45 | $2 | $47 | 0.19% |
| THOMAS BENEFITS INC3 | 14 CHANDLER STREET SALEM, MA 01970 | THE PAUL REVERE LIFE INSURANCE COMPANY | $36 | $5 | $41 | 0.17% |
| KEVIN MURPHY3 Filed as: KEVIN BROOKS | 97 ROCKLAND LANE SPRING VALLEY, NY 10977 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | $7 | $39 | 0.16% |
| LAUREN JACOBS3 | 17 ECHO LANE LEVITTOWN, NY 11756 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| ANDREA R. HENCHEY3 Filed as: ANDREA R HENCHEY | 5 EDGEMERE BOULEVARD SHREWSBURY, MA 01545 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| WILLAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| BARUCH KLAHR3 | 100 DUTCH HILL ROAD ORANGEBURG, NY 10962 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $441 | $103 | $544 | 52.41% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $122 | $220 | 21.19% |
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 5.88% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.19% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $133K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $133K |
| Life insurance(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 62 | $26K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 62 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.