| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBIN H. ALSTON3 | PO BOX 220787 ATLANTA, GA 30320 | SYMETRA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 20.00% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP INC | 1125 PARK AVENUE, SUITE 1607 NEW YORK, NY 10017 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $4K | $0 | $4K | 5.35% |
| TEPANI INC3 | 50 BROADWAY HAWTHORNE, NY 10532 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $4K | $4K | 4.86% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $399 | $399 | 0.49% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $920 | $861 | $2K | 11.43% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $612 | $700 | $1K | 8.42% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP INC | 125 PARK AVENUE NEW YORK, NY 10017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $658 | $0 | $658 | 4.22% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $249 | $363 | $612 | 3.93% |
| LAWRENCE R. ESTRIDGE3 | 9 MELISSA TERRACE MIDDLETOWN, NY 10941 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $331 | $0 | $331 | 2.12% |
| MJ INSURANCE3 Filed as: JOHN EVANGELISTA AND VARIOUS AGENTS | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $147 | $141 | $288 | 1.85% |
| RODOVALDO RODRIGUEZ3 | 6606 GRANTON AVENUE, SUITE A-6 NORTH BERGEN, NJ 07047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.73% |
| UNKNOWN3 | UNKNOWN FARMINGDALE, NY 11735 | FSL NY | $463 | $0 | $463 | 5.00% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 205 | $82K |
| Vision | FSL NY | 168 | $9K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 10 | $16K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 41 | $90K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 10 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.