| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN K. HART3 | 500 BUFFALO ROAD EAST AURORA, NY 14052 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $30K | $7K | $37K | 12.94% |
| THOMAS W FISHBACK3 | 5488 SHERIDAN DRIVE, STE. 100 WILLIAMSVILLE, NY 14221 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 2.34% |
| M C DOOLITTLE GROUP LLC3 | 34 ASPEN PARK BLVD. EAST SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $4K | $494 | $5K | 1.60% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 412 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.