| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LT | 1000 WOODBURY RD STE 403 WOODBURY, NY 117972530 | EMBLEM HEALTH PLAN, INC. | $54K | $0 | $54K | 3.09% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY RD STE 403 WOODBURY, NY 117972530 | EMBLEM HEALTH PLAN, INC. | $0 | $31K | $31K | 1.75% |
| PENTRA LLC3 | TWO VILLANOVA CENTER 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | EMBLEM HEALTH PLAN, INC. | $22K | $0 | $22K | 1.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1000 WOODBURY RD STE 403 WOODBURY, NY 117972530 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.54% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY RD STE 403 WOODBURY, NY 117972530 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.80% |
| PENTRA LLC3 Filed as: PENTRA INC | TWO VILLANOVA CENTER 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 22.21% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $1K | $5K | 15.22% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $40 | $2K | 4.87% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $138 | $1K | 3.95% |
| PARAMOUNT STRATEGIES GROUP INC3 Filed as: PARAMOUNT ENROLLMENT SOLUTIONS INC | 1754 55TH STREET BROOKLYN, NY 11204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $685 | $0 | $685 | 2.21% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVE UNION, NJ 07083 | THE PAUL REVERE LIFE INSURANCE COMPANY | $596 | $14 | $610 | 1.97% |
| TYLER PHILIP KRYSTOFIK3 | 11 THISTLE AVE GLENWOOD, NJ 07418 | THE PAUL REVERE LIFE INSURANCE COMPANY | $150 | $0 | $150 | 0.48% |
| MS BENEFITS3 Filed as: MS BENEFITS LLC | 100 CHALLENGER RD STE 105 RIDGEFIELD PARK, NJ 07660 | THE PAUL REVERE LIFE INSURANCE COMPANY | $132 | $0 | $132 | 0.43% |
| PAMELA SUSAN LEVY3 | 1-50 50TH AVENUE LONG ISLAND CITY, NY 11101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $108 | $11 | $119 | 0.38% |
| JASON LOUIS KOSCO3 | 31 JESSE CT MONTVILLE, NJ 07045 | THE PAUL REVERE LIFE INSURANCE COMPANY | $94 | $0 | $94 | 0.30% |
| ROSEMARY MILLER3 | 30 ORCHARD ST NORWALK, CT 06850 | THE PAUL REVERE LIFE INSURANCE COMPANY | $50 | $0 | $50 | 0.16% |
| PLATINUM ENROLLMENT SPECIALISTS3 | 100 CHALLENGER RD STE 105 RIDGEFIELD PARK, NJ 07660 | THE PAUL REVERE LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.12% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | $1 | $30 | 0.10% |
| BRYAN FISH3 Filed as: BRYAN SCHWARTZ | 211 BARTHOLF AVE POMPTON LAKES, NJ 07442 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.07% |
| ALFRED SANFORD3 | 6425 DREXEL ROAD PHILADELPHIA, PA 19151 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.06% |
| PENTRA LLC3 | 795 EAST LANCASTER AVENUE VILLANOVA, PA 19085 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.05% |
| CORPORATE HEALTH MANAGEMENT LLC3 | 8 SPRUCE ST APT 75 T NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | $4 | $13 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N LA SALLE DR FL 17 CHICAGO, IL 606543406 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 16.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1000 WOODBURY RD STE 403 WOODBURY, NY 117972530 | PRINCIPAL LIFE INSURANCE COMPANY | $886 | $0 | $886 | 5.21% |
| PENTRA LLC3 Filed as: PENTRA INC | TWO VILLANOVA CENTER 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | PRINCIPAL LIFE INSURANCE COMPANY | $513 | $0 | $513 | 3.02% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY RD STE 403 WOODBURY, NY 117972530 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $452 | $452 | 2.66% |
| YOEL WHITEHOUSE3 | 117 ARLINGTON AVE LAKEWOOD, NJ 087014210 | PRINCIPAL LIFE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.01% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $854 | $2K | 18.48% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $938 | $817 | $2K | 31.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 31.96% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $4 | $173 | 3.15% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVE UNION, NJ 07083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $3 | $89 | 1.62% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $6 | $66 | 1.20% |
| JASON LOUIS KOSCO3 | 31 JESSE CT MONTVILLE, NJ 07045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.13% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.09% |
| PAMELA SUSAN LEVY3 | 1-50 50TH AVENUE LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.04% |
| ROSEMARY MILLER3 | 30 ORCHARD ST NORWALK, CT 06850 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
| BRYAN FISH3 Filed as: BRYAN SCHWARTZ | 211 BARTHOLF AVE POMPTON LAKES, NJ 07442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMBLEM HEALTH PLAN, INC. | 327 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 424 | $160K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 424 | $160K |
| Life insurance(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 264 | $53K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 100 | $12K |
| Other(4 contracts, 4 carriers) | EMBLEM HEALTH PLAN, INC. | 327 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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."
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.