| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY | $3K | $3K | $7K | 21.08% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $404 | — | $404 | 1.86% |
| AMY E COHEN3 Filed as: AMY SALAK | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $314 | — | $314 | 1.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC. | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $291 | — | $291 | 1.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $211 | — | $211 | 0.97% |
| KARL L FONDA3 Filed as: KARL FONDA | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $167 | — | $167 | 0.77% |
| GEORGE JOSEPH FAETH3 | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $121 | — | $121 | 0.56% |
| DAVID J MCCLELLAN3 Filed as: DAVID ROBERTS | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.22% |
| STEPHAN SCEROLER3 Filed as: STEPHAN JOSEPH JOYCE | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.09% |
| M&T BANK3 Filed as: M&T INSURACNE AGENCY | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $949 | — | $949 | 10.87% |
| AMY E COHEN3 Filed as: AMY SELAK | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $263 | — | $263 | 3.01% |
| STEPHEN JOSEPH JOYCE3 | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $195 | — | $195 | 2.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC. | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $95 | — | $95 | 1.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $91 | — | $91 | 1.04% |
| KARL L FONDA3 Filed as: KARL FONDA | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $89 | — | $89 | 1.02% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY MANGIONE | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE JOESEPH FAETH | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| KARL L FONDA3 Filed as: KARL FONDA | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 3.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURACNE SERVICES | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 2.76% |
| DEBRA JEAN HUMPHREY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 1.99% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 311 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.