| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE FL 12 NEW YORK, NY 101780002 | UNITED HEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 3.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVE FL 3 NEW YORK, NY 101770506 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 1.27% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 0.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 60 CROSSWAYS PARK DRIVE WEST SUITE 305 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $664 | $3K | 6.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 101 JOHN F KENNEDY PARKWAY #1 SHORT HILLS, NJ 07078 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.77% |
| NEW YORK RHB, LLC3 | 120 BROADWAY FL 37 NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52 | $0 | $52 | 0.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST NEW YORK, NY 10019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $583 | $0 | $583 | 8.32% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $190 | $73 | $263 | 3.75% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $172 | $6 | $178 | 2.54% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVE UNION, NJ 07083 | THE PAUL REVERE LIFE INSURANCE COMPANY | $148 | $9 | $157 | 2.24% |
| ASCELA PARTNERS LLC3 Filed as: ASCELA PARTNERS | 139 NEWTOWN AVE NORWALK, CT 06851 | THE PAUL REVERE LIFE INSURANCE COMPANY | $106 | $0 | $106 | 1.51% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $59 | $3 | $62 | 0.88% |
| JAQUIYA HAMMIEL TURNER3 | 544 40TH ST APT 16 UNION CITY, NJ 07087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.86% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.53% |
| COLIN KELLY GARVIN3 | 160 WHEELER ROAD MONROE, CT 06468 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.37% |
| THE WORKSIGHT GROUP LLC3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | $1 | $23 | 0.33% |
| KEVIN MURPHY3 Filed as: KEVIN BROOKS | 97 ROCKLAND LANE SPRING VALLEY, NY 10977 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.27% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC TA SAVOY ASSOCIA | 25B HANOVER RD FLORHAM PARK, NJ 07932 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.23% |
| RAUHN TURNER3 | 1720 NEW YORK AVE UNION CITY, NJ 07087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.06% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.06% |
| KIMANI MATTHEW3 | 75 FARRELL AVE APT 2 MT VERNON, NY 10553 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.04% |
| BRYAN J GARVIN3 Filed as: BRYAN JOSEPH GARVIN | 26 STONE FENCE RD BERNARDSVILLE, NJ 07924 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| ASCELA PARTNERS LLC3 Filed as: ASCELA PARTNERS | 139 NEWTOWN AVE NORWALK, CT 06851 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 1.60% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC TA SAVOY ASSOCIA | 25B HANOVER RD FLORHAM PARK, NJ 07932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.45% |
| COLIN KELLY GARVIN3 | 160 WHEELER ROAD MONROE, CT 06468 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.36% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.31% |
| KIMANI MATTHEW3 | 75 FARRELL AVE APT 2 MT VERNON, NY 10553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.08% |
| BRYAN J GARVIN3 Filed as: BRYAN JOSEPH GARVIN | 26 STONE FENCE RD BERNARDSVILLE, NJ 07924 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.03% |
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 | 124 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 140 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $50K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $50K |
| Life insurance(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 12 | $11K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 12 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.