| 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 | $10K | $1K | $11K | 9.75% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 2 HIGH STREET MONTICELLO, NY 12701 | FIRST UNUM LIFE INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | 200 LIBERTY STREET NEW YORK, NY 10281 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $319 | $4K | 15.08% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 2 HIGH ST MONTICELLO, NY 12701 | FIRST UNUM LIFE INSURANCE COMPANY | $296 | — | $296 | 1.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 7.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST,INC. | 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 4.81% |
| 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 | $700 | — | $700 | 3.63% |
| CHOICE BENEFIT SOLUTIONS INC3 Filed as: CHOICE BENEFIT SOLUTIONS INC. | 525 CAPRI BLVD TREASURE ISLAND, FL 33706 | THE PAUL REVERE LIFE INSURANCE COMPANY | $235 | — | $235 | 1.22% |
| DANA SUMMERS3 | 135 BALLSTON DRIVE MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $198 | $16 | $214 | 1.11% |
| JAMEL WRIGHT3 | 138 SCOLES AVE CLIFTON, NJ 07012 | THE PAUL REVERE LIFE INSURANCE COMPANY | $144 | — | $144 | 0.75% |
| BRIAN SUMMERS3 | 135 BALLSTON DRIVE MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $127 | — | $127 | 0.66% |
| SPEYSIDE CONSULTING GROUP LLC3 | 135 BALLSTON DRIVE MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $118 | — | $118 | 0.61% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET N, SUITE F ST PETERSBURG, FL 33710 | THE PAUL REVERE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.38% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 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 | 13650 W HILLSBOROUGH AVE GREATER TAMPA, FL 33635 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| TOMMY TAM3 | 418 EAST 74TH STREET NEW YORK, NY 10021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 862 | 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) | 862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 205 | $109K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 291 | $24K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 862 | $144K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 862 | $117K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 862 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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.