| 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 | $9K | $850 | $10K | 4.33% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16#320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $10K | $10K | 7.13% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 3.02% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16#320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $6K | $6K | 6.99% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 4.56% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16#320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $5K | $5K | 7.26% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 7.06% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 7.02% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16#320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 6.94% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $669 | — | $669 | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16#320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $231 | $231 | 5.18% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | $257 | — | $257 | 9.99% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE BLUE BELL, PA 19422 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $129 | $129 | 5.01% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NORTH AMERICA | $211 | — | $211 | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NORTH AMERICA | — | $163 | $163 | 7.72% |
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 | 505 | 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) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA LIFE INSURANCE CO. OF NEW YORK | 283 | $233K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 505 | $139K |
| Short-term disability(4 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 441 | $135K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 505 | $63K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NY | 723 | $3.4M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NY | 723 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.