| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $90K | $0 | $90K | 1.75% |
| ROSE & KIERNAN INC3 | 159 WOLF RD STE 200 ALBANY, NY 12205 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | $0 | $64K | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $455 | $0 | $455 | 0.29% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-PLEASE SEE ATTACHED | — | AFLAC | $13K | $863 | $14K | 13.86% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DR STR II STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $4K | $3K | $6K | 13.37% |
| KIMBERLY ANNE CUNNINGHAM3 | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $112 | $1K | 4.68% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $410 | $9 | $419 | 1.62% |
| CHARLENE ALPAY3 | 606 W 16TH ST NEW YORK, NY 10027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $288 | $0 | $288 | 1.11% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVE APT 107 UNION, NJ 07083 | THE PAUL REVERE LIFE INSURANCE COMPANY | $41 | $85 | $126 | 0.49% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $94 | $0 | $94 | 0.36% |
| PIO ANDRES ORTIZ3 | 5 BROOK ROAD ENFIELD, CT 06082 | THE PAUL REVERE LIFE INSURANCE COMPANY | $83 | $0 | $83 | 0.32% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DR MURFREESBORO, TN 37128 | THE PAUL REVERE LIFE INSURANCE COMPANY | $77 | $0 | $77 | 0.30% |
| KLUGMAN ASSOCIATES INC.3 Filed as: KLUGMAN ASSOCIATES | PO BOX 280 FERNDALE, NY 12734 | THE PAUL REVERE LIFE INSURANCE COMPANY | $71 | $0 | $71 | 0.27% |
| THOMAS E KIENZLER3 Filed as: THOMAS E. KIENZLER | 359 WASHINGTON ROAD ENFIELD, CT 06082 | THE PAUL REVERE LIFE INSURANCE COMPANY | $65 | $0 | $65 | 0.25% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.12% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.09% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.05% |
| STEPHEN CORRIVEAU3 | 420 GRANGE RD NORTH SMITHFIELD, RI 02896 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| FRANK M DARTEE3 | 2 QUINCY DR OAK RIDGE, NJ 07438 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| ELLEN LOUIS3 | 161 PEARSALL DRIVE, APARTMENT 5F MOUNT VERNON, NY 10552 | AFLAC | $251 | $0 | $251 | 4.96% |
| DARLENE RUESS3 | 110 HADDEN STREET PEEKSKILL, NY 10566 | AFLAC | $153 | $0 | $153 | 3.03% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | AFLAC | $90 | $0 | $90 | 1.78% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DRIVE NEW CITY, NY 10956 | AFLAC | $35 | $0 | $35 | 0.69% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $33 | $0 | $33 | 0.65% |
| DEBRA PARKER3 Filed as: DEBRA M. PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $17 | $0 | $17 | 0.34% |
| KELLY A IRVINE3 Filed as: KELLY A. IRVINE | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $2 | $0 | $2 | 0.04% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 1.38% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.39% |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 545 | $5.3M |
| Dental(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 439 | $5.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 439 | $5.1M |
| Life insurance(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 577 | $80K |
| Short-term disability(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 23 | $32K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 439 | $5.1M |
| Other(5 contracts, 4 carriers) | AFLAC | 577 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 577 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.