| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | MVP HEALTH SERVICES CORP | $46K | — | $46K | 4.97% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | — | $7K | 7.52% |
| J JACKSON & COMPANY INC3 | 41 HANCOCK TER SNYDER, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $329 | $4K | 10.68% |
| KEVIN BERNARD GANNON3 | 403 MAIN ST STE 325 BUFFALO, NY 14203 | THE PAUL REVERE LIFE INSURANCE COMPANY | $681 | — | $681 | 1.67% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIR APT 2D BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $542 | $124 | $666 | 1.63% |
| BRENDA ANN LITZKE3 | 6 PERK PL BALLSTON LAKE, NY 12019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $360 | — | $360 | 0.88% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE RD NIAGARA FALLS, NY 14304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $188 | — | $188 | 0.46% |
| ANTHONY R MANGIONE3 | 29 SISSON DR ROCHESTER, NY 14623 | THE PAUL REVERE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.26% |
| MICHAEL L O'DONNELL3 Filed as: MICHAEL L O'DONNELL AND ASSOCIATES | 133 HAZELHURST AVE NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.21% |
| BETHANY KISH3 | 357 QUARRY RUN GRAND ISLAND, NY 14072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.12% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $39 | $9 | $48 | 0.12% |
| SYRACUSE SADA SERVICE CORP3 | 770 JAMES ST SYRACUSE, NY 13203 | THE PAUL REVERE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.12% |
| MEAGAN M MARTIN3 | 8034B MARLIN DR CLAY, NY 13041 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | $10 | $36 | 0.09% |
| KRISTINE A ZABRISKIE3 Filed as: KRISTINE L KELLOGG | 8 ROSEWOOD DR AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.08% |
| CHERYL O'BRIEN3 Filed as: CHERYL ANN EDWARDS | 8900 MICHIGAN AVE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | $9 | $31 | 0.08% |
| MARIE TREAT3 | 314 S SEWARD AVE AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| BENE SOLUTIONS LLC3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.06% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PERRY L KANFER3 | 525 PLUM ST SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TRISHA ANN TYMINSKI3 | 41 DORIS PARK DR CONSTANTIA, NY 13044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INC | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $434 | — | $434 | 3.68% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH SERVICES CORP | 205 | $920K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 143 | $93K |
| Vision | VISION SERVICE PLAN | 124 | $12K |
| Prescription drug | MVP HEALTH SERVICES CORP | 205 | $920K |
| Other | THE PAUL REVERE LIFE INSURANCE COMPANY | 31 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
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.