| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED GROUP BROKERAGE CORP.3 Filed as: DIVERSIFIED ADMINISTRATION CORP | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | BERKLEY LIFE AND HEALTH INSURANCE CO. | — | $121K | $121K | 16.42% |
| CORPORATE MANAGED HEALTH SERVICES3 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | BERKLEY LIFE AND HEALTH INSURANCE CO. | — | $35K | $35K | 4.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 4.36% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $880 | — | $880 | 0.76% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $330 | $92 | $422 | 0.37% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $397 | — | $397 | 0.34% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $339 | $20 | $359 | 0.31% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $236 | — | $236 | 0.20% |
| BRENDA ANN LITZKE3 | 6 PERK PLACE BALLSTON LAKE, NY 12019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $109 | — | $109 | 0.09% |
| MICHAEL L O'DONNELL3 | 133 HAZELHURST AVE N SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 7.14% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE EAST STE 300 CHERRY HILL, NJ 08034 | HARTFORD LIFE AND ACCIDENT | $5 | $5 | $10 | 0.01% |
| THOMAS F SHANK3 Filed as: THOMAS F SHANK (ADVANCED BENEFIT) | 413 MARLTON PIKE EAST STE 300 CHERRY HILL, NJ 08034 | HARTFORD LIFE AND ACCIDENT | $3 | — | $3 | 0.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $4K | $24K | 32.76% |
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 | 462 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE CO. | 269 | $737K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $75K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $75K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 462 | $112K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 462 | $112K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 462 | $112K |
| Other | THE PAUL REVERE LIFE INSURANCE COMPANY | 96 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.