| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DRIVE AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $3K | $10K | 9.30% |
| M&T INSURANCE AGENCY INC3 Filed as: M&T INSURANCE AGENCY | ATTN JUDI STACHOWIAK BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.68% |
| AMY E COHEN3 Filed as: AMY SELAK | 95 LINWOOD AVENUE TONAWANDA, NY 14150 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $113 | $2K | 2.22% |
| MICHAEL PATRICK MCNELIS3 | 458 AUBURN AVENUE BUFFALO, NY 14213 | THE PAUL REVERE LIFE INSURANCE COMPANY | $301 | $0 | $301 | 0.29% |
| JESSICA HOUSLER3 Filed as: JESSICA ANN HOUSLER | 9605 ROUTE 6 KANE, PA 16735 | THE PAUL REVERE LIFE INSURANCE COMPANY | $206 | $0 | $206 | 0.20% |
| DEBORAH LYNN FRANCO3 | 6753 RT 59 LOT C1 LEWIS RUN, PA 16738 | THE PAUL REVERE LIFE INSURANCE COMPANY | $192 | $0 | $192 | 0.19% |
| CHRISTOPHER MARTOCHE3 | 5315 OAKRIDGE DRIVE HAMBURG, NY 14075 | THE PAUL REVERE LIFE INSURANCE COMPANY | $138 | $0 | $138 | 0.13% |
| DAVID J ROBERTS3 | 167 NEVINS ROAD HENRIETTA, NY 14467 | THE PAUL REVERE LIFE INSURANCE COMPANY | $110 | $2 | $112 | 0.11% |
| ROSEANN REYNOLDS3 | 163 CEDAR STRET BRNFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $96 | $0 | $96 | 0.09% |
| DAVID L FLEURY3 | 545 SOURTH MAIN STREET PROVIDENCE, RI 02903 | THE PAUL REVERE LIFE INSURANCE COMPANY | $69 | $0 | $69 | 0.07% |
| SARAH FRANCIS3 | 415 FAFAYETTE AVE BUFFALO, NY 14213 | THE PAUL REVERE LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.06% |
| JANICE LEAH RANDALL3 | 206 MAIN STREET OLEAN, NY 14760 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| AMTJPMU R ,AMGOPME3 | 29 SISSOON DRIVE ROCHESTER, NY 14623 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| KARL L FONDA3 | 311 BROOKSBORO DRIVE WEBSTER, NY 14580 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE PAUL REVERE LIFE INSURANCE COMPANY | 171 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.