| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH LYNN FRANCO3 | 2 JUNIOR AVENUE WHEELING, WV 26003 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 12.27% |
| M&T INSURANCE AGENCY INC3 | ATTN JUDI STACHOWIAK BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.83% |
| STEVEN JOSEPH JOYCE3 | 70 SARGENT DRIVE AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.26% |
| AMY E COHEN3 Filed as: AMY SELAK | 96 LINWOOD AVENUE TONAWANDA, NY 14150 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.95% |
| DAVID J ROBERTS3 | 167 NEVINS ROAD HENRIETTA, NY 14467 | THE PAUL REVERE LIFE INSURANCE COMPANY | $84 | $0 | $84 | 0.10% |
| JESSICA HOUSLER3 Filed as: JESSICA ANN HOUSLER | 9505 ROUTE 6 KANE, PA 16735 | THE PAUL REVERE LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.07% |
| CHRISTOPHER MARTOCHE3 | 5315 OAKRIDE DRIVE HAMBURG, NY 14075 | THE PAUL REVERE LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.04% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| DAVID L FLEURY3 | 545 SOURTH WATER ST. PROVIDENCE, RI 02903 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE PAUL REVERE LIFE INSURANCE COMPANY | 152 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.