| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HART AND KEENAN3 | 360 DELAWARE AVENUE #350 BUFFALO, NY 14202 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $8K | — | $8K | 3.97% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $6K | $6K | 4.13% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 2.94% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 5.23% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 4.16% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | — | $5K | 6.97% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 4.46% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 7.36% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $2K | $2K | 5.00% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $723 | — | $723 | 15.00% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $199 | $199 | 4.13% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NORTH AMERICA | $284 | — | $284 | 9.99% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NORTH AMERICA | — | $142 | $142 | 4.99% |
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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA LIFE INSURANCE CO. OF NEW YORK | 290 | $200K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 513 | $144K |
| Short-term disability(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 438 | $113K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 513 | $67K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NY | 750 | $3.2M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NY | 750 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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.