| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH PAUL PEPLINSKI3 Filed as: JOSEPH PAUL PEPLINKSKI | 4243 CANOE CREEK LANE LIVERPOOL, NY 13090 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $491 | $3K | 4.47% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KEMAN & GILROY INC. | PO BOX 542 NEW HARTFORD, NY 13413 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.42% |
| KRISTINE A ZABRISKIE3 Filed as: KRISTINE L. KELLOGG | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.09% |
| BMB BENEFITS GROUP INC3 Filed as: BMB BENEFITS GROUP AND OTHER AGENTS | 334 GRAY STREET HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.40% |
| BRIAN BEAUCHEMIN3 | 334 GRAY STREET HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.35% |
| DONALD H MATSON3 Filed as: DONALD H. MATSON | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $2 | $1K | 1.87% |
| PERRY L KANFER3 Filed as: PERRY L. KANFER | 525 PLUM STREET SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $338 | $667 | $1K | 1.45% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC. | 300 SOUTH STATE STREET, SUITE 1000 SYRACUSE, NY 13202 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 5.53% |
| DANA E ERO3 Filed as: DANA E. ERO | 5 PINE WEST PLAZA, SUITE 503 ALBANY, NY 12205 | AFLAC | $593 | $49 | $642 | 5.11% |
| MARY R COLEMAN3 Filed as: MARY R. COLEMAN | 44 RIDGE ROAD RENSSELAER, NY 12144 | AFLAC | $430 | $19 | $449 | 3.57% |
| SUSAN M TODD-BEDELL3 Filed as: SUSAN TODD-BEDELL AND OTHER AGENTS | 249 NORTH BALLSTON AVENUE SCOTIA, NY 12302 | AFLAC | $197 | $0 | $197 | 1.57% |
| BETH SERFILIPPI3 | 8 HILLSTONE COURT BALLSTON LAKE, NY 12019 | AFLAC | $178 | $0 | $178 | 1.42% |
| KRISTA ANNE ROTONDI3 | 5 HEMPHILL PLACE, SUITE 220 BALLSTON SPA, NY 12020 | AFLAC | $162 | $15 | $177 | 1.41% |
| MARY R COLEMAN3 Filed as: MARY R. COLEMAN | 6957 WEST LEONSHIRE LANE HOMOSASSA, FL 34446 | AFLAC | $151 | $0 | $151 | 1.20% |
| DARRYL J YOUNG3 Filed as: DARRYL J. YOUNG | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $82 | $0 | $82 | 0.65% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $45K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $45K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 49 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.