| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRISTINE A ZABRISKIE3 Filed as: KRISTINE L. KELLOGG | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.75% |
| BMB BENEFITS GROUP INC3 Filed as: BMB BENEFITS GROUP INC. | 334 GRAY STREET HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.63% |
| DONALD H MATSON3 Filed as: DONALD H. MATSON | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.62% |
| JOSEPH PAUL PEPLINSKI3 | 4243 CANOE CREEK LANE LIVERPOOL, NY 13090 | THE PAUL REVERE LIFE INSURANCE COMPANY | $664 | $34 | $698 | 0.89% |
| MARIE TREAT3 | 314 SOUTH SEWARD AVENUE AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $638 | $0 | $638 | 0.81% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | PO BOX 542 NEW HARTFORD, NY 13413 | THE PAUL REVERE LIFE INSURANCE COMPANY | $502 | $0 | $502 | 0.64% |
| PERRY L KANFER3 Filed as: PERRY L. KANFER | 525 PLUM STREET SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $265 | $21 | $286 | 0.36% |
| 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% |
| MARY R COLEMAN3 Filed as: MARY R. COLEMAN | 6957 WEST LEONSHIRE LANE HOMOSASSA, FL 34446 | AFLAC | $209 | $0 | $209 | 3.57% |
| DANA E ERO3 Filed as: DANA E. ERO | 5 PINE WEST PLAZA, SUITE 503 ALBANY, NY 12205 | AFLAC | $139 | $0 | $139 | 2.37% |
| BETH SERFILIPPI3 | 8 HILLSTONE COURT BALLSTON LAKE, NY 12019 | AFLAC | $94 | $0 | $94 | 1.60% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $58 | $0 | $58 | 0.99% |
| KRISTA ANNE ROTONDI3 | 5 HEMPHILL PLACE, SUITE 220 BALLSTON SPA, NY 12020 | AFLAC | $49 | $0 | $49 | 0.84% |
| DARRYL J YOUNG3 Filed as: DARRYL J. YOUNG | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $43 | $0 | $43 | 0.73% |
| SUSAN M TODD-BEDELL3 Filed as: SUSAN M. TODD-BEDELL | 249 NORTH BALLSTON AVENUE SCOTIA, NY 12302 | AFLAC | $36 | $0 | $36 | 0.61% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $42K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $42K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 39 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
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.