| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1 FINANCIAL PLAZA, 2ND FLOOR HARTFORD, CT 06103 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | — | $49K | 4.92% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 240 MAIN STREET FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.62% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 240 MAIN STREET, SUITE A FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.23% |
| ASSUREDPARTNERS3 | 71 MONROE AVENUE PITTSFORD, NY 14534 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.45% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN ASSOCIATES, LLC | UNKNOWN ALBANY, NY 12204 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.80% |
| AP BENEFIT ADVISORS, LLC3 | 90A JOHN MUIR DRIVE AMHERST, NY 14228 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 24.61% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 47 | $989K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 208 | $78K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 208 | $78K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 208 | $110K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 208 | $78K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 47 | $989K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 63 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.