| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELMCO LLC3 | 333 E WATER STREET ELMIRA, NY 14901 | NIAGRA LIFE & HEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BCBS CENTRAL NY REGION EIN 15-0329043 N/A | Other insurance fees and expenses Service code 73 | PO BOX 4757 SYRACUSE, NY 13221 | $104K |
| UNITED CLAIMS SOLUTIONS, LLC EIN 81-5149270 N/A | Other insurance fees and expenses Service code 73 | PO BOX 1007 CALDWELL, ID 83606 | $67K |
| ELMCO LLC EIN 16-1560509 N/A | Contract Administrator Service code 13 | 333 E WATER ST, 4TH FLOOR ELMIRA, NY 14901 | $16K |
| MAGELLAN RX EIN 46-3708039 N/A | Contract Administrator Service code 13 | PO BOX 783053 PHILADELPHIA, PA 19178 | $13K |
| MEDWATCH EIN 16-1662117 N/A | Other insurance fees and expenses Service code 73 | PO BOX 952679 LAKE MARY, FL 32795 | $9K |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | NIAGRA LIFE & HEALTH INSURANCE COMPANY | 164 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.