| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVE FL 3 NEW YORK, NY 101770506 | UNITEDHEALTHCARE INSURANCE COMPANY | $73K | $0 | $73K | 5.10% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 101 JOHN F KENNEDY PARKWAY #1 SHORT HILLS, NJ 07078 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.81% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $656 | $276 | $932 | 10.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 770 LEXINGTON AVE 14TH FLOOR NEW YORK, NJ 10065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $697 | $0 | $697 | 8.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST NEW YORK, NY 10019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $453 | $0 | $453 | 5.22% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $180 | $22 | $202 | 2.33% |
| DAVID SHERMAN3 | 62 JARED BLVD KENDALL PARK, NJ 08824 | THE PAUL REVERE LIFE INSURANCE COMPANY | $149 | $0 | $149 | 1.72% |
| PAMELA SUSAN LEVY3 | 1-50 50TH AVENUE LONG ISLAND CITY, NY 11101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $128 | $12 | $140 | 1.61% |
| PCF INSURANCE SERVICES OF THE WEST3 | 139 NEWTOWN AVE NORWALK, CT 06851 | THE PAUL REVERE LIFE INSURANCE COMPANY | $95 | $0 | $95 | 1.09% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $74 | $2 | $76 | 0.87% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.39% |
| COLIN KELLY GARVIN3 | 160 WHEELER ROAD MONROE, CT 06468 | THE PAUL REVERE LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.26% |
| KEVIN MURPHY3 Filed as: KEVIN BROOKS | 97 ROCKLAND LANE SPRING VALLEY, NY 10977 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.24% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC TA SAVOY ASSOCIA | 25B HANOVER RD FLORHAM PARK, NJ 07932 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.17% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.15% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVE UNION, NJ 07083 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.13% |
| JAQUIYA HAMMIEL TURNER3 | 544 40TH ST APT 16 UNION CITY, NJ 07087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.10% |
| KIMANI MATTHEW3 | 52 CANTON RD WEST SIMSBURY, NY 06092 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
| RAUHN TURNER3 | 1720 NEW YORK AVE UNION CITY, NJ 07087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| SOTERA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 770 LEXINGTON AVE 14TH FLOOR NEW YORK, NY 10065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $40 | $1K | 14.60% |
| MCO PARTNERS LLC3 Filed as: MCO PARTNERS | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $618 | $517 | $1K | 14.46% |
| DAVID SHERMAN3 | 62 JARED BLVD KENDALL PARK, NJ 08824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $0 | $103 | 1.31% |
| PAMELA SUSAN LEVY3 | 1-50 50TH AVENUE LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $8 | $89 | 1.13% |
| PCF INSURANCE SERVICES OF THE WEST3 | 139 NEWTOWN AVE NORWALK, CT 06851 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.79% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $1 | $37 | 0.47% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC TA SAVOY ASSOCIA | 25B HANOVER RD FLORHAM PARK, NJ 07932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.23% |
| COLIN KELLY GARVIN3 | 160 WHEELER ROAD MONROE, CT 06468 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.18% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.15% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.13% |
| KIMANI MATTHEW3 | 52 CANTON RD WEST SIMSBURY, CT 06092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.05% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $63K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $63K |
| Life insurance(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 11 | $17K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 11 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.