| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $11K | $0 | $11K | 9.86% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 WALL, NJ 07719 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $4K | $4K | 3.35% |
| BENEFIT CONSULTING INSURANCE AGENCY3 | 5723 HAMILTON WAY BOCA RATON, FL 33496 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.30% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS ROAD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.20% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $967 | — | $967 | 4.12% |
| PERRY L KANFER3 Filed as: PERRY L. KANFER | 525 PLUM STREET SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $275 | — | $275 | 1.17% |
| ENROLLMENT SOLUTIONS LIMTED3 | 65 BURBANK ROAD SUTTON, MA 05190 | THE PAUL REVERE LIFE INSURANCE COMPANY | $124 | $0 | $124 | 0.53% |
| EMP COVERAGE SLTNS, & OTHER AGENTS3 | 4300 CINNAMON PATH LIVERPOOL, NY 13090 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.07% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 401 SOUTH MAIN STREET NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $490 | $214 | $704 | 6.18% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | METROPOLITAN LIFE INSURANCE COMPANY | $135 | $0 | $135 | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $58 | $58 | 0.51% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 6 TOWER PLACE ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.08% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 348 | $107K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 348 | $107K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 348 | $107K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 160 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.