| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $18K | — | $18K | 1.30% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 0.76% |
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | EXCELLUS BLUE CROSS BLUE SHIELD | $192K | — | $192K | 18.90% |
| AON CONSULTING INC4 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $274K | $52K | $326K | 34.64% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $97K | — | $97K | 13.69% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 1.32% |
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN STREET WILLAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $6K | $12K | 3.26% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 30 WATERSIDE DRIVE FARMINTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $127K | $29K | $156K | 47.14% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $17K | $17K | $34K | 45.91% |
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 | 2,966 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,966 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,494 | $942K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,321 | $377K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,321 | $377K |
| Life insurance(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,626 | $2.5M |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,464 | $1.5M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,567 | $1.4M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 2,286 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,494 | — |
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.