| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES I | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 2.87% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.52% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15K | — | $15K | 6.41% |
| THOMAS E KIENZLER3 | 359 WASHINGTON RD ENFIELD, CT 06082 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12K | $819 | $13K | 5.34% |
| DANA SUMMERS3 | 135 BALLSTON DR MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10K | $2K | $12K | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9K | — | $9K | 3.82% |
| THE WORKSIGHT GROUP LLC3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $266 | $3K | 1.17% |
| SPEYSIDE CONSULTING GROUP LLC3 | 135 BALLSTON DRIVE MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.45% |
| BRIAN SUMMERS3 | 135 BALLSTON DR MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $834 | — | $834 | 0.36% |
| PHYLLIS DUNN3 | 14 NUHFER DR COLUMBIA, CT 06237 | THE PAUL REVERE LIFE INSURANCE COMPANY | $501 | $286 | $787 | 0.34% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $501 | $24 | $525 | 0.22% |
| JAQUIYA HAMMIEL TURNER3 | 544 40TH ST APT 16 UNION CITY, NJ 07087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $478 | $12 | $490 | 0.21% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $360 | — | $360 | 0.15% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $321 | $3 | $324 | 0.14% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | THE PAUL REVERE LIFE INSURANCE COMPANY | $322 | — | $322 | 0.14% |
| ERIC IMMERMAN3 | 32 LYNDE STREET SALEM, MA 01970 | THE PAUL REVERE LIFE INSURANCE COMPANY | $239 | — | $239 | 0.10% |
| JAMEL WRIGHT3 | 138 SCOLES AVE CLIFTON, NJ 07012 | THE PAUL REVERE LIFE INSURANCE COMPANY | $221 | — | $221 | 0.09% |
| IRA EDENBAUM3 | 1 CARLETON DR FREEHOLD, NJ 07728 | THE PAUL REVERE LIFE INSURANCE COMPANY | $187 | — | $187 | 0.08% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $167 | — | $167 | 0.07% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVE DEER PARK, NY 11729 | THE PAUL REVERE LIFE INSURANCE COMPANY | $97 | — | $97 | 0.04% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | THE PAUL REVERE LIFE INSURANCE COMPANY | $72 | — | $72 | 0.03% |
| ELIZABETH HERNANDEZ3 | 245 W 72ND STREET NEW YORK, NY 10023 | THE PAUL REVERE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.02% |
| BROAD COVERAGE SERVICE INC3 | 6 KASER TERRACE MONSEY, NY 10952 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| RAUHN TURNER3 | 1720 NEW YORK AVE UNION CITY, NJ 07087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| DAVID L FLEURY3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| EVELYN GARCIA3 | 55 BROADWAY NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| BENJAMIN L GALLO3 | 17 BRANT AVE CLARK, NJ 07066 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | $1 | $12 | 0.01% |
| FNA INSURANCE SERVICES INC3 | 2003 JERICHO TURNPIKE NEW HYDE PARK, NY 11040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JUAN J MORENO3 | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HULL & COMPANY OF NEW YORK, INC.3 Filed as: HULL & COMPANY INC | 600 COMMUNITY DR MANHASSET, NY 11030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY RD POWHATAN, VA 23139 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC TA SAVOY ASSOCIA | T/A SAVOY ASSOCIATES FLORHAM PARK, NJ 07932 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANCE COMPANY | $20K | $2K | $23K | 20.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES - NY | 320 WEST 57TH STREET 3RD FLOOR NEW YORK, NY 10019 | EYEMED | $661 | — | $661 | 4.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES - NY | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED | $350 | — | $350 | 2.62% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC LLC - NY, NY 20063324 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | EYEMED | $323 | — | $323 | 2.42% |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,087 | $387K |
| Vision | EYEMED | 336 | $13K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 568 | $112K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 213 | $235K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 568 | $112K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 568 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,087 | — |
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.
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.