| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC4 Filed as: EMS FINANCIAL SERVICS LLC | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNIM LIFE INSURANCE COMPANY | $20K | $12K | $32K | 2.21% |
| EMS FINANCIAL SERVICES LLC4 Filed as: EMS FINANCIAL SERVICS LLC | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNIM LIFE INSURANCE COMPANY | $9K | $10K | $19K | 1.64% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICS LLC | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | EXCELLUS BLUE CROSS BLUE SHIELD | $215K | — | $215K | 18.92% |
| AON CONSULTING INC4 Filed as: AON CONSULTING, INC | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNIM LIFE INSURANCE COMPANY OF AMERICA | $154K | $17K | $171K | 22.02% |
| EMS FINANCIAL SERVICES LLC4 Filed as: EMS FINANCIAL SERVICS LLC | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNIM LIFE INSURANCE COMPANY | $102K | $6K | $108K | 15.92% |
| EMS FINANCIAL SERVICES LLC4 Filed as: EMS FINANCIAL SERVICS LLC | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | FIRST UNIM LIFE INSURANCE COMPANY | $6K | $4K | $10K | 2.08% |
| AON CONSULTING INC4 Filed as: AON CONSULTING, INC | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64K | $5K | $69K | 23.32% |
| EMS FINANCIAL SERVICES LLC Filed as: EMS FINANCIAL SERVICS LLC | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.07% |
| AON CONSULTING INC4 Filed as: AON CONSULTING, INC | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | FIRST UNIM LIFE INSURANCE COMPANY | $15K | — | $15K | 19.36% |
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 | 2,815 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIM LIFE INSURANCE COMPANY OF AMERICA | 2,439 | $778K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,662 | $90K |
| Life insurance(4 contracts, 2 carriers) | FIRST UNIM LIFE INSURANCE COMPANY | 1,857 | $2.5M |
| Short-term disability(2 contracts) | FIRST UNIM LIFE INSURANCE COMPANY | 2,979 | $1.6M |
| Long-term disability | FIRST UNIM LIFE INSURANCE COMPANY | 1,857 | $1.4M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 2,676 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,979 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.