| 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 | $23K | $42K | 2.69% |
| EMS FINANCIAL SERVICES LLC Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN STRRET WILLIAMSVILLE, NY 14221 | EXCELLUS BLUECROSS BLUESHIELD | $219K | — | $219K | 16.68% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $19K | $28K | 2.19% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $98K | $11K | $109K | 14.31% |
| THE FARMINGTON COMPANY4 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $256K | $35K | $291K | 42.80% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $8K | $13K | 2.61% |
| THE FARMINGTON COMPANY4 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $126K | $12K | $138K | 46.62% |
| THE FARMINGTON COMPANY4 | 30 WATERSIDE DR FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $28K | — | $28K | 34.22% |
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 | 3,192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,192 | 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 | 2,597 | $976K |
| Life insurance(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,851 | $2.4M |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,841 | $1.8M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,851 | $1.6M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 2,695 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,841 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.