| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $201K | $0 | $201K | 2.19% |
| ROSE & KIERNAN INC3 | — | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $40K | $0 | $40K | 0.44% |
| ROSE & KIERNAN INC3 | — | ANTHEM BLUE CROSS | $2K | $0 | $2K | 3.67% |
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 | 1,302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 391 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 973 | $9.2M |
| Dental | DELTA DENTAL OF NEW YORK | 1,284 | $0 |
| Vision | ANTHEM BLUE CROSS | 958 | $43K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 973 | $9.2M |
| Other | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 973 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,284 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.