| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MGMT INC. | ONE WOLFS LANE PELHAM, NY 10803 | GUARDIAN | $30K | — | $30K | 11.33% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC | ONE WOLFS LANE PELHAM, NY 10803 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 3.59% |
| BETHANY KISH3 | 357 QUARRY RUN GRAND ISLAND, NY 14072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.43% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIR APT 2 D BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $613 | $3K | 2.00% |
| BRENDA ANN LITZKE3 | 6 PERK PL BALLSTON LAKE, NY 12019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.75% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $482 | — | $482 | 0.34% |
| J JACKSON & COMPANY INC3 | 41 HANCOCK TER SNYDER, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $210 | $24 | $234 | 0.17% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 500 E MAIN ST STE 316 BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $119 | $3 | $122 | 0.09% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE RD NIAGRA FALLS, NY 14304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $110 | — | $110 | 0.08% |
| JENNIFER E LUBELSKY3 | 80 JOHN ST APTE 11C NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $104 | — | $104 | 0.07% |
| MICHAEL L O'DONNELL3 Filed as: MICHAEL L O'DONNELL AND ASSOCIATES | 133 HAZEL AVE NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $77 | — | $77 | 0.05% |
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 | 648 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 648 | $264K |
| Vision | GUARDIAN | 648 | $264K |
| Life insurance | GUARDIAN | 648 | $264K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 96 | $141K |
| Long-term disability | GUARDIAN | 648 | $264K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 648 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 648 | — |
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.