| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK J ROHAN3 | 35 MAIN ST PUGHKEEPSIE, NY 12601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11K | — | $11K | 7.67% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | PO BOX 640 EAST GREENBUSH, NY 12061 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.87% |
| THE WORKSIGHT GROUP LLC3 | 6 ELM ST UNIT 5 MADISON, NJ 07940 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.20% |
| KERRY PARSONS3 | 20 PEARSON RD HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.18% |
| CORPORATE SYNERGIES GROUP LLC3 | THEE FERRY TERMINAL BLDG CAMDEN, NJ 08103 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.03% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.71% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $614 | $26 | $640 | 0.43% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DR CHARLESTON, SC 29414 | THE PAUL REVERE LIFE INSURANCE COMPANY | $631 | — | $631 | 0.42% |
| EVELYN GARCIA3 | 55 BROADWAY NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $554 | — | $554 | 0.37% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $312 | — | $312 | 0.21% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | THE PAUL REVERE LIFE INSURANCE COMPANY | $275 | — | $275 | 0.18% |
| THOMAS E KIENZLER3 | 359 WASHINGTON RD ENFIELD, CT 06082 | THE PAUL REVERE LIFE INSURANCE COMPANY | $254 | — | $254 | 0.17% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $136 | — | $136 | 0.09% |
| SALATHIEL MALDONADO3 | 3717 CYPRESS AVE BROOKLYN, NY 11224 | THE PAUL REVERE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.05% |
| JAMEL WRIGHT3 | 138 SCOLES AVE CLIFTON, NJ 07012 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| WILLIAM P CRAWFORD3 | 35 RIVERSIDE PL DOBBS FERRY, NY 10522 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| STANLEY ZALESKI3 | 8916 CROWN COLONY BLVD FT MYERS, FL 33908 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| BRIAN SUMMERS3 | 135 BALLSTON DR MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| SPEYSIDE CONSULTING GROUP LLC3 | 135 BALLSTON DRIVE MOORESVILLE, NY 28117 | 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% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN ST POUGHKEEPSIE, NY 12601 | HCC LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $119 | $11K | 21.45% |
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 | 537 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 545 | $53K |
| Life insurance(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 545 | $203K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 194 | $150K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 365 | $129K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 545 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.