| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WYNDHAM BENEFITS LLC3 | 16 WYNDHAM WAY BALLSTON SPA, NY 12020 | ANTHEM BLUE CROSS | $3K | $0 | $3K | 4.59% |
| WYNDHAM BENEFITS LLC3 | 16 WYNDHAM WAY BALLSTON SPA, NY 12020 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $2K | $0 | $2K | 8.58% |
| BMB BENEFITS GROUP INC3 | 334 GRAY ST HERKIMER, NY 13350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $547 | $0 | $547 | 4.73% |
| CHRISTOPHER GOODNESS3 | 16 WYNDHAM WAY BALLSTON SPA, NY 120205002 | THE PAUL REVERE LIFE INSURANCE COMPANY | $386 | $0 | $386 | 3.34% |
| DONALD H MATSON3 Filed as: DONALD MATSON | 8 ROSEWOOD DR AUBURN, NY 13021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $198 | $0 | $198 | 1.71% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.70% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.08% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| AURORA INC.3 Filed as: AURORA INC | 120 BROADWAY ALBANY, NY 12204 | HARTFORD LIFE INSURANCE COMPANY | $701 | $0 | $701 | 14.99% |
| WYNDHAM BENEFITS LLC3 | 16 WYNDHAM WAY BALLSTON SPA, NY 12020 | STANDARD INSURANCE COMPANY | $356 | $0 | $356 | 9.78% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 3.81% |
| PARRISH J PEACHEE3 | 6152 PUNKINVINE RD LEBANON, IN 46052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 1.07% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM BLUE CROSS | 77 | $61K |
| Life insurance(5 contracts, 5 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 126 | $41K |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 126 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.