| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE COMPANY | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | UNUM | $3K | $1K | $4K | 10.09% |
| KARL L FONDA3 Filed as: KARL FONDA | 311 BROOKSBORO DRIVE WEBSTER, NY 14580 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 2.62% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 1.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 300 AIRBORNE PARKWAY BUFFALO, NY 14225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 1.58% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | ATT JUDI STACHOWIAK BUFFALO, NY 14202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 1.26% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DRIVE AMHERST, NY 14226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 1.17% |
| AMY E COHEN3 Filed as: AMY SELAK | 95 LINWOOD AVENUE TONAWANDA, NY 14150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 1.13% |
| DAVID J MCCLELLAN3 Filed as: DAVID ROBERTS | 167 NEVINS ROAD HENRIETTA, NY 14467 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.74% |
| ANTHONY MANIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.28% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE STE 4000 BUFFALO, NY 14202 | FIRST UNUM | $4K | $1K | $5K | — |
| 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 | — | — | $0 | — |
| KARL L FONDA3 Filed as: KARL FONDA | 311 BROOKSBORO WEBSTER, NY 14580 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | — | $0 | — |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE MACHANICSBURG, PA 17055 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | — | $0 | — |
| PERRY L KANFER3 Filed as: PERRY KANFER | RUSH CREEK DRIVE JAMESVILLE, NY 13078 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | — | $0 | — |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY MANGIONE | 29 SISSON DRIVE ROCHESTER, NY 14623 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | — | $0 | — |
| CHRISTOPHER ALAN MERKL3 | 96 TROTTER DRIVE HENRIETTA, NY 14467 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | — | $0 | — |
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 | 347 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | UNUM | 306 | $41K |
| Other | FIRST UNUM | 189 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
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.