| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEPANI INC3 | 420 CLOCK TOWER COMMONS SUITE 311 BREWSTER, NY 10509 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $4K | $4K | 5.31% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP INC | 8 FLETCHER PL MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $4K | $0 | $4K | 4.96% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W HILLSIDE BLVD SUITE 201 SAN MATEO, CA 94403 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $304 | $304 | 0.42% |
| ACRISURE LLC3 Filed as: ACRISURE PGM ISURANCE SERVICES LLC | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $293 | $293 | 0.41% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | -$10 | -$10 | -0.01% |
| ROBIN H. ALSTON3 | PO BOX 20787 ATLANTA, GA 30320 | SYMETRA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 20.00% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $284 | $43 | $327 | 1.95% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP INC | 8 FLETCHER PL MELVILLE, NY 11747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $280 | $0 | $280 | 1.67% |
| LAWRENCE R. ESTRIDGE3 | 9 MELISSA TERRACE MIDDLETOWN, NY 10941 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $184 | $0 | $184 | 1.10% |
| RODOVALDO RODRIGUEZ3 | 6606 GRANTON AVENUE, SUITE A-6 NORTH BERGEN, NJ 07047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.17% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 211 | $72K |
| Vision | FSL NY | 0 | $0 |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $17K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $69K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.