| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE, INC. | PO BOX 655 MONROE, NY 10950 | OXFORD HEALTH INSURANCE,INC | $50K | — | $50K | 5.15% |
| FIDUCIARY INTERMEDIARY LTD3 Filed as: FIDUCIARY INTERMEDIARY, LTD. | 370 LEXINGTON AVENUE SUITE 703 NEW YORK, NY 10017 | OXFORD HEALTH INSURANCE,INC | — | $15K | $15K | 1.59% |
| ABRAHAM KEPECS JR3 | 2 SKILLMAN STREET SUITE 305 BROOKLYN, NY 11205 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| SIMON KEPECS3 | 505 ROUTE 208 MONROE, NY 10950 | UNITEDHEALTHCARE INSURANCE COMPANY | $740 | — | $740 | 1.90% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.57% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.26% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE NEW YORK, NY 10017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 16.59% |
| KYLE BRIAN SHERIDAN3 | 255 MONMOUTH BOULEVARD OCEANPORT, NJ 07757 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.10% |
| WILLIAM WILDS3 | 551 WEST 181ST APARTMENT 193 NEW YORK, NY 10033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $714 | $158 | $872 | 5.96% |
| SALATHIEL MALDONADO3 | 3717 CYPRESS AVENUE BROOKLYN, NY 11224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $395 | $129 | $524 | 3.58% |
| BRIAN THOMAS CULLEN3 | 370 LEXINGTON AVENUE NEW YORK, NY 10017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $54 | $189 | 1.29% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $160 | — | $160 | 5.94% |
| ABRAHAM KEPECS JR3 | 2 SKILLMAN STREET SUITE 305 BROOKLYN, NY 11205 | UNITEDHEALTHCARE INSURANCE COMPANY | $120 | — | $120 | 4.45% |
| SIMON KEPECS3 | 505 ROUTE 208 MONROE, NY 10950 | UNITEDHEALTHCARE INSURANCE COMPANY | $40 | — | $40 | 1.48% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $221 | $110 | $331 | 15.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MEDOVA HEALTHCARE | $14K | — | $14K | — |
| MEDOVA HEALTHCARE3 | 345 NORTH RIVERVIEW STREET SUITE 600 WICHITA, KS 67203 | MEDOVA HEALTHCARE | — | $10K | $10K | — |
| PHCS3 Filed as: MULTIPLAN INC-PHCS | PO BOX 29380 GENERAL POST OFFICE NEW YORK, NY 10087 | MEDOVA HEALTHCARE | — | $7K | $7K | — |
| RBI INSURANCE3 | 250 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | MEDOVA HEALTHCARE | $1K | — | $1K | — |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE,INC | 253 | $968K |
| Dental(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 68 | $83K |
| Vision(3 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 68 | $43K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 97 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.