| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK J ROHAN3 | 18 BALFOUR DR WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6K | — | $6K | 3.68% |
| ROSE & KIERNAN INC Filed as: ROSE & KIERNAN, INC. | PO BOX 640 EAST GREENBUSH, NY 12061 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.58% |
| THE WORKSIGHT GROUP LLC3 | 6 ELM ST MADISON, NJ 07940 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.22% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIR MOUNT LAUREL, NJ 08054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.96% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.78% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $727 | — | $727 | 0.46% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DR CHARLESTON, SC 29414 | THE PAUL REVERE LIFE INSURANCE COMPANY | $616 | — | $616 | 0.39% |
| EVELYN GARCIA3 | 55 BROADWAY NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $529 | — | $529 | 0.33% |
| DAVID L FLEURY | 55 STRAWBERRY LN PORTSMOUTH, RI 02871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $392 | — | $392 | 0.25% |
| LISA A PERRI3 Filed as: LISA A PERRY | 775 ROUTE 70 EAST MARLTON, NJ 08053 | THE PAUL REVERE LIFE INSURANCE COMPANY | $265 | — | $265 | 0.17% |
| THOMAS E KIENZLER3 | 359 WASHINGTON RD ENFIELD, CT 06082 | THE PAUL REVERE LIFE INSURANCE COMPANY | $262 | — | $262 | 0.17% |
| SALATHIEL MALDONADO3 | 3717 CYPRESS AVE BROOKLYN, NY 11224 | THE PAUL REVERE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.04% |
| WILLIAM P CRAWFORD3 | 35 RIVERSIDE PL DOBBS FERRY, NY 10522 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| BRIAN SUMMERS3 | 2474 GREEN POINT LN DENVER, NC 28037 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| STANLEY ZALESKI3 | 8916 CROWN COLONY BLVD FT MYERS, FL 33908 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DR SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| TOMMY TAM3 | 418 EAST 74TH ST NEW YORK, NY 10021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CAPITOL DISTRICT INC3 | 8916 CROWN COLONY BLVD FT MYERS, FL 33908 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JAMEL WRIGHT3 | 1517 RIVERSIDE STATION BLVD SEACAUCUS, NJ 07094 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | MVP HEALTH CARE | $40K | $0 | $40K | 27.50% |
| MVP BENEFIT GROUP INCORPORATED3 Filed as: MVP BENEFIT GROUP INC | 625 STATE ST SCHENECTADY, NY 12305 | HCC LIFE INSURANCE COMPANY | $23K | — | $23K | 16.54% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 23.18% |
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 | 595 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 595 | $147K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 553 | $52K |
| Life insurance(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 553 | $211K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 172 | $159K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 553 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.