| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC (B050) | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HIGHMARK WESTERN NEW YORK | — | — | $0 | 0.00% |
| HART AND KEENAN3 Filed as: HART AND KEENAN AND CO INC | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 3.96% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16#320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $8K | $8K | 4.51% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 1.20% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16#320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $5K | $5K | 4.43% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 2.66% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16#320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $4K | $4K | 4.45% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 3.16% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16#320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $4K | $4K | 4.53% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 4.33% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 24.84% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16#320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $1K | $1K | 11.45% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | $479 | — | $479 | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE BLUE BELL, PA 19422 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $240 | $240 | 5.01% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $82 | $1K | $1K | 67.21% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $82 | $82 | 4.97% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $3K | $3K | 386.97% |
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 269 | $227K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 490 | $173K |
| Short-term disability(4 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 442 | $215K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 490 | $78K |
| Prescription drug | HIGHMARK WESTERN NEW YORK | 663 | $3.7M |
| Other(2 contracts, 2 carriers) | HIGHMARK WESTERN NEW YORK | 663 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.