| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | ANTHEM HEALTH PLANS, INC. | $25K | $7 | $25K | 2.69% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE SUITE 200 MECHANISBURG, PA 17055 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 10.00% |
| MATTHEW GREENE3 Filed as: MATTHEW G. FAIR | 40 RICHARDS AVENUE NORWALK, CT 06854 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $3K | — | $3K | 5.00% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.89% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS, INC. | 152 | $1.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 73 | $579K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS, INC. | 152 | $1.4M |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 155 | $137K |
| Short-term disability | STANDARD INSURANCE COMPANY | 92 | $35K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 155 | $137K |
| Prescription drug(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS, INC. | 152 | $1.5M |
| Other(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 55 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.