| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | $22K | $41K | 2.94% |
| EMS FINANCIAL SERVICES LLC4 Filed as: EMS FINANCIAL SEVICES LLC | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $17K | $26K | 2.36% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $99K | $11K | $110K | 15.24% |
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | EXCELLUS BLUE CROSS BLUE SHIELD | $60K | — | $60K | 10.91% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $6K | $16K | 4.08% |
| THE FARMINGTON COMPANY4 | 30WATERSIDE DR P.O. BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $3K | $43K | 17.87% |
| THE FARMINGTON COMPANY4 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $37K | -$316 | $37K | 26.50% |
| THE FARMINGTON COMPANY4 | 30 WATERSIDE DR PO BOX527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | -$21 | $15K | 13.71% |
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 | 4,164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $348K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,748 | $2.3M |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,809 | $1.5M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,748 | $1.4M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 2,384 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,809 | — |
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.