| 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 | $15K | $2K | $17K | 11.28% |
| 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 | $834 | — | $834 | 3.53% |
| DANA SUMMERS3 | 135 BALLSTON DRIVE MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $449 | $9 | $458 | 1.94% |
| BRIAN SUMMERS3 | 135 BALLSTON DRIVE MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $327 | $5 | $332 | 1.40% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS INC. | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $276 | — | $276 | 1.17% |
| JAMEL WRIGHT3 | 138 SCOLES AVE CLIFTON, NJ 07012 | THE PAUL REVERE LIFE INSURANCE COMPANY | $162 | — | $162 | 0.69% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET N, SUITE F ST PETERSBURG, FL 33710 | THE PAUL REVERE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.36% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| HOWARD HOROWITZ3 Filed as: HOWARD P. DILEMA | 100 JAY STREET, APT 14 J BROOKLYN, NY 11201 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| DANIELS SOLUTIONS LLC3 | 4941 POMPANO DR. NEW PORT RICHEY, FL 34652 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 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 NEW YORK, NY 10281 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 9.76% |
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 | 898 | 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) | 900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 469 | $137K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 343 | $22K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 980 | $151K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 980 | $151K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 980 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 980 | — |
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.