| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN STREET WILLIAMSVILE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $18K | — | $18K | 1.28% |
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN STREET WILLIAMSVILE, NY 14221 | EXCELLUS BLUE CROSS BLUE SHIELD | $60K | — | $60K | 5.02% |
| AON CONSULTING INC4 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $278K | $39K | $318K | 27.64% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN STREET WILLIAMSVILE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 0.77% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN STREET WILLIAMSVILE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $97K | — | $97K | 13.68% |
| EMS FINANCIAL SERVICES LLC4 | 6724 MAIN STREET WILLIAMSVILE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | — | $15K | 2.50% |
| AON CONSULTING INC4 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $159K | $19K | $178K | 38.35% |
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN STREET WILLIAMSVILE, NY 14221 | THE GARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $6K | $22K | 5.60% |
| AON CONSULTING INC4 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $23K | — | $23K | 25.66% |
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 | 2,936 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,853 | $1.1M |
| Dental | THE GARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,314 | $400K |
| Vision | THE GARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,314 | $400K |
| Life insurance(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,682 | $2.7M |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,881 | $1.7M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,613 | $1.4M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 2,259 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,853 | — |
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.