| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC. | PIERSON AND SMITH 40 RICHARDS AVE, STE 5 NORWALK, CT 06854 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $2K | $39K | 3.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.01% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 40 RICHARDS AVENUE NORWALK, CT 06854 | DELTA DENTAL OF NJ, INC. | $2K | — | $2K | 2.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | DELTA DENTAL OF NJ, INC. | $661 | — | $661 | 0.68% |
| BANYAN CONSULTING A DIV.3 | 40 RICHARDS AVE, 4TH FL. NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.29% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $644 | $644 | 4.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST NEW YORK, NY 10281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $390 | $142 | $532 | 3.39% |
| BANYAN CONSULTING A DIV.3 | 40 RICHARDS AVE, 4TH FL. NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.82% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $458 | $458 | 4.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST NEW YORK, NY 10281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $185 | $102 | $287 | 2.57% |
| PIERSON & SMITH, INC.3 Filed as: PIERSON AND SMITH | DIV. OF FIRST NIAGARA RISK 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | EYEMED | $611 | — | $611 | 8.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST NEW YORK, NY 10281 | EYEMED | $158 | — | $158 | 2.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | LOCKBOX 28852, PO BOX 28852 NEW YORK, NY 10087 | EYEMED | $82 | — | $82 | 1.11% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $1.2M |
| Dental | DELTA DENTAL OF NJ, INC. | 92 | $98K |
| Vision | EYEMED | 137 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $16K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.