| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIRCLE BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $216 | $0 | $216 | 3.33% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $196 | $0 | $196 | 3.02% |
| AMY E COHEN3 Filed as: AMY SELAK | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.97% |
| ERC OF NY, INC.3 Filed as: ERC OF NY | 400 POST AVE SUITE 210 WESTBURY, NY 11590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.62% |
| ALAN JUSTIN3 Filed as: ALAN JUSTIN JR | 19 SUGARBUSH LN LANCASTER, NY 14086 | THE PAUL REVERE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.52% |
| FRANK M DARTEE3 | 2 QUINCY DR OAK RIDGE, NJ 07438 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.29% |
| TODD HENNESSY3 Filed as: TODD M HENNESSY | 78 GARDEN CT AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.08% |
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 | 12 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 12 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | THE PAUL REVERE LIFE INSURANCE COMPANY | 12 | $6K |
| 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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.