| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $20K | $24K | $43K | 2.88% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $18K | $27K | 2.35% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE CARRIER | $102K | $12K | $114K | 14.30% |
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | EXCELLUS BLUE CROSS BLUE SHIELD | $60K | — | $60K | 9.09% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $8K | $18K | 3.76% |
| THE FARMINGTON COMPANY4 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $3K | $42K | 17.13% |
| THE FARMINGTON COMPANY4 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70K | $10K | $80K | 39.19% |
| THE FARMINGTON COMPANY4 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
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 | 3,682 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,682 | 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 | 636 | $451K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 2,003 | $2.3M |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,926 | $1.6M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 2,792 | $660K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,926 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.