| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $1K | $14K | 9.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.27% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS INC. | 7408 VAN DYKE ROAD ODESSA, FL 33556 | THE PAUL REVERE LIFE INSURANCE COMPANY | $497 | — | $497 | 1.48% |
| BRIAN SUMMERS3 | 90 WEST STREET NEW YORK, NY 10006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $497 | — | $497 | 1.48% |
| JAMEL WRIGHT3 | 341 MIDWOOD STREET BROOKLYN, NY 11225 | THE PAUL REVERE LIFE INSURANCE COMPANY | $294 | — | $294 | 0.88% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 4921 PENNSBURY DRIVE TAMPA, FL 33624 | THE PAUL REVERE LIFE INSURANCE COMPANY | $154 | — | $154 | 0.46% |
| DANA SENNO SUMMERS3 | 90 WEST STREET NEW YORK, NY 10006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $76 | — | $76 | 0.23% |
| HOWARD HOROWITZ3 Filed as: HOWARD P. DILEMA | 55 BROADWAY NEW YORK, NY 10006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| TOMMY TAM3 | 418 EAST 74TH STREET NEW YORK, NY 10021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 9.83% |
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 | 875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 498 | $168K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 409 | $28K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 875 | $136K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 875 | $136K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 875 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 875 | — |
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.