| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KARL L FONDA3 Filed as: KARL FONDA | 311 BROOKSBORO DR. WEBSTER, NY 14580 | THE PAUL REVERE LIFE INSURANCE COMPANY | $289 | — | $289 | 4.85% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $171 | — | $171 | 2.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NY INC. | 300 AIRBORNE PARKWAY SUITE 208 BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $149 | — | $149 | 2.50% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY MANGIONE | 29 SISSON DRIVE ROCHESTER, NY 14623 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | $14 | $51 | 0.86% |
| PERRY L KANFER3 | 4509 RUSH CREEK DRIVE JAMESVILLE, NY 13078 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.29% |
| CHRISTOPHER ALAN MERKL3 Filed as: CHRISTOPHER MERKL | 96 TROTTER DRIVE HENRIETTA, NY 14467 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| ZACCHARY EARL WEBER3 | 231 BARRINGTON STREET ROCHESTER, NY 14607 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| KARL L FONDA3 Filed as: KARL FONDA | 311 BROOKSBORO DRIVE WEBSTER, NY 14580 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 2.53% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 1.21% |
| CYNTHIA HEGGS3 | 162 WAVERLY HIGHLAND PARK, MI 48203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.64% |
| TONI JACKSON3 | 17341 BIRCHCREST DETRIOT, MI 48221 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.17% |
| CAROL DENISE DONALDSON3 | 1868 BROMLEY LANE ROCHESTER HILLS, MI 48306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.09% |
| PATRICIA REED3 | 569 THORNHILL COURT BELLEVILLE, MI 48111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.09% |
| KENNETH BOWERY3 | 25471 PENNSYLVANIA DRIVE NOVI, MI 48375 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.09% |
| KARL L FONDA3 Filed as: KARL FONDA | 311 BROOKSBORO DRIVE WEBSTER, NY 14580 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 4.51% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 3.54% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LANE HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 2.42% |
| KARL L FONDA3 Filed as: KARL FONDA | 311 BROOKSBORO WEBSTER, NY 14580 | THE PAUL REVERE LIFE INSURANCE COMPANY | $776 | — | $776 | — |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE MACHANICSBURG, PA 17055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $658 | — | $658 | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YOR | 300 AIRBOURNE PARKWAY SUITE 208 BUFFALO, NY 14225 | THE PAUL REVERE LIFE INSURANCE COMPANY | $593 | — | $593 | — |
| PERRY L KANFER3 Filed as: PERRY KANFER | RUSH CREEK DRIVE JAMESVILLE, NY 13078 | THE PAUL REVERE LIFE INSURANCE COMPANY | $218 | — | $218 | — |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY MANGIONE | 29 SISSON DRIVE ROCHESTER, NY 14623 | THE PAUL REVERE LIFE INSURANCE COMPANY | $105 | $24 | $129 | — |
| CHRISTOPHER ALAN MERKL3 | 96 TROTTER DRIVE HENRIETTA, NY 14467 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | — |
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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 12 | $10K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 6 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.