| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $7K | $17K | 6.93% |
| EMERSON REID LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 4.88% |
| HART AND KEENAN | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 3.36% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE BLUE BELL, PA 19422 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 4.84% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.09% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.21% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE BLUE BELL, PA 19422 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 4.63% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 6.69% |
| EMERSON REID LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 4.77% |
| HART AND KEENAN3 | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | $914 | — | $914 | 15.75% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16#320 BLUE BELL, PA 19422 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $295 | $295 | 5.08% |
| HART AND KEENAN3 Filed as: HART AND KEENAN AND CO INC | 500 BUFFALO RD, 2ND FLOOR EAST AURORA, NY 14052 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | $557 | — | $557 | 10.08% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16#320 BLUE BELL, PA 19422 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $255 | $255 | 4.61% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $115 | $115 | 2.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD EIN 23-1294723 INSURANCE SERVICE | Insurance services; Insurance agents and brokers Service code 22 | — | $341K |
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 | 523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 296 | $245K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | 523 | $174K |
| Short-term disability(3 contracts) | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | 464 | $225K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | 523 | $88K |
| Other | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | 523 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.