| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606945287 | UNITEDHEALTHCARE INSURANCE COMPANY | $86K | — | $86K | 4.75% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 300 MADISON AVENUE 28TH FLOOR NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $9K | 10.42% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.50% |
| MCO PARTNERS LLC3 Filed as: MCO PARTNERS | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $668 | $2K | 12.96% |
| 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 | $88 | $1K | 8.58% |
| EMANUEL JULIAN ASURZA3 | 10445 ATLANTIC AVE RICHMOND HILL, NY 11418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $19 | $55 | 0.39% |
| PCF INSURANCE SERVICES OF THE WEST3 | 139 NEWTOWN AVE NORWALK, CT 06851 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.22% |
| PCF INSURANCE SERVICES OF THE WEST3 | 139 NEWTOWN AVE NORWALK, CT 06851 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.22% |
| PAMELA SUSAN LEVY3 | 150 50TH AVE LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $6 | $30 | 0.21% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC TA SAVOY ASSOCIA | ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.13% |
| KIMANI MATTHEW3 | 52 CANTON RD WEST SIMSBURY, CT 06092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PL STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JENNIFER E LUBELSKY3 | 80 JOHN ST APT 11C NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $320 | $1K | 11.89% |
| 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 | $1K | — | $1K | 9.65% |
| DRUSILLA ROBERTSON3 | 678 WARBURTON AVE APT 7C YONKERS, NY 10701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $191 | $24 | $215 | 1.82% |
| 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 | $57 | — | $57 | 0.48% |
| PCF INSURANCE SERVICES OF THE WEST3 | 139 NEWTOWN AVE NORWALK, CT 06851 | THE PAUL REVERE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.33% |
| PCF INSURANCE SERVICES OF THE WEST3 | 139 NEWTOWN AVE NORWALK, CT 06851 | THE PAUL REVERE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.33% |
| PAMELA SUSAN LEVY3 | 150 50TH AVE LONG ISLAND CITY, NY 11101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | $6 | $33 | 0.28% |
| KEVIN MURPHY3 Filed as: KEVIN BROOKS | 97 ROCKLAND LN SPRING VALLEY, NY 10977 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.18% |
| JENNIFER E LUBELSKY3 | 80 JOHN ST APT 11C NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.14% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC TA SAVOY ASSOCIA | ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.10% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVE APT 107 UNION, NJ 07083 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.09% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 W 39TH ST RM 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| KIMANI MATTHEW3 | 52 CANTON RD WEST SIMSBURY, CT 06092 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PL STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| SOTERA PARTNERS LLC3 | 77 HAGGERTY DR WEST ORANGE, NJ 07052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| RAUHN TURNER3 | 1319 MINNESOTA WAY UPPER MARLBORO, MD 20774 | THE PAUL REVERE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $91K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $91K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $26K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.