| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY RD EAST GREENBUSH, NY 12061 | MVP SELECT CARE | $21K | — | $21K | 11.77% |
| PATRICK J ROHAN3 | 18 BALFOUR DR WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.27% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | PO BOX 640 EAST GREENBUSH, NY 12061 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.06% |
| THE WORKSIGHT GROUP LLC3 | 6 ELM ST UNIT 5 MADISON, NJ 07940 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.94% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIR MOUNT LAUREL, NJ 08054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.74% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.62% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $658 | — | $658 | 0.40% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DR CHARLESTON, SC 29414 | THE PAUL REVERE LIFE INSURANCE COMPANY | $492 | — | $492 | 0.30% |
| EVELYN GARCIA3 | 55 BROADWAY NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $407 | — | $407 | 0.25% |
| DAVID L FLEURY3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $293 | — | $293 | 0.18% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $206 | $13 | $219 | 0.13% |
| LISA A PERRI3 Filed as: LISA A PERRY | 775 ROUTE 70 EAST MARLTON, NJ 08053 | THE PAUL REVERE LIFE INSURANCE COMPANY | $211 | — | $211 | 0.13% |
| THOMAS E KIENZLER3 | 359 WASHINGTON RD ENFIELD, CT 06082 | THE PAUL REVERE LIFE INSURANCE COMPANY | $207 | — | $207 | 0.13% |
| SALATHIEL MALDONADO3 | 3717 CYPRESS AVE BROOKLYN, NY 11224 | THE PAUL REVERE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.04% |
| TOMMY TAM3 | 418 EAST 74TH ST NEW YORK, NY 10021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| JAMEL WRIGHT3 | 138 SCOLES AVE CLIFTON, NJ 07012 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| WILLIAM P CRAWFORD3 | 35 RIVERSIDE PL DOBBS FERRY, NY 10522 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| BRIAN SUMMERS3 | 135 BALLSTON DR MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| STANLEY ZALESKI3 | 8916 CROWN COLONY BLVD FT MYERS, FL 33908 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MVP BENEFIT GROUP INCORPORATED3 Filed as: MVP BENEFIT GROUP INC | 625 STATE ST SCHENECTADY, NY 12305 | HCC LIFE INSURANCE COMPANY | $22K | $557 | $22K | 14.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 1.35% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | P.O. BOX 640 99 TROY RD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $10K | 17.39% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.91% |
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 | 574 | 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) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP SELECT CARE | 589 | $176K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 574 | $60K |
| Life insurance(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 574 | $223K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 176 | $163K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 361 | $160K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 574 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.