| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 10.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 1133 WESTCHESTER AVE, STE S-229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $38K | $38K | 7.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16K | — | $16K | 11.59% |
| ADAM MAGGIO3 | 1025 MAXWELL LN HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11K | $3K | $14K | 10.07% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $743 | $2K | 1.66% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.13% |
| REID KLEINMAN3 Filed as: REID M KLEINMAN | 68-64 YELLOWSTONE BLVD FOREST HILLS, NY 11375 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $126 | $1K | 1.04% |
| WENDY JO PEARLROTH3 | 3186 DOUGLAS DRIVE YORKTOWN HEIGHTS, NY 10598 | THE PAUL REVERE LIFE INSURANCE COMPANY | $334 | — | $334 | 0.24% |
| LOUIS ENRIQUE VARELA3 | 135 OCEAN PARKWAY BROOKLYN, NY 11218 | THE PAUL REVERE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.07% |
| GEORGE THEODORE HARRIS3 | 18 BIRCH ROAD YONKERS, NY 10705 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| JOAQUIN F PRADAS3 | 81-03 229TH STREET QUEENS VILLAGE, NY 11427 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENE CONCEPTS OF CHERRY HI | 413 MARLTON PIKE EAST STE 300 CHERRY HILL, NJ 08034 | HARTFORD LIFE AND ACCIDENT | $5K | $2K | $7K | 9.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 2.39% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 20.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST, PLAZA 2 250 PEHLE AVE SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 344 WEST MAIN STREET MILFORD, CT 06460 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.39% |
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 | 367 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $491K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 232 | $54K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 232 | $54K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 367 | $83K |
| Other | THE PAUL REVERE LIFE INSURANCE COMPANY | 113 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.