| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC. | 801 MAIN STREET BUFFALO, NY 14205 | HEALTHNOW NY, INC. DBA BLUECROSS BLUESHIELD OF WNY | $36K | $0 | $36K | 2.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC. | 801 MAIN STREET BUFFALO, NY 14203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $15K | 14.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC. | 801 MAIN STREET BUFFALO, NY 14203 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC. | 801 MAIN STREET BUFFALO, NY 14203 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $357 | $3K | 14.91% |
| DILEO JOSEPH L3 | 300 CORPORATE PKWY STE 216N AMHERST, NY 142261259 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $327 | $1K | $2K | 8.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NOVA HEALTHCARE ADMINISTRATORS EIN 16-6443379 CONTRACTOR ADMINISTRATOR | Claims processing Service code 12 | — | $10K |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHNOW NY, INC. DBA BLUECROSS BLUESHIELD OF WNY | 371 | $1.3M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $104K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $124K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHNOW NY, INC. DBA BLUECROSS BLUESHIELD OF WNY | 371 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.