| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $600K | — | $600K | 4.70% |
| M&T INSURANCE3 Filed as: M & T AGENCY | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | INDEPENDENT HEALTH | $114K | — | $114K | 1.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $78K | — | $78K | 9.87% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $6K | $19K | 18.45% |
| PETER CAMPO II3 | 38 LAKE STREET HAMBURG, NY 14075 | FIRST UNUM LIFE INSURANCE COMPANY | $612 | — | $612 | 3.30% |
| THOMAS WARING JR3 | 38 LAKE STREET HAMBURG, NY 14075 | FIRST UNUM LIFE INSURANCE COMPANY | $601 | — | $601 | 3.24% |
| THOMAS E WEISS3 Filed as: THOMAS WEISS | 300 CORPORATE PARKWAY AMHERST, NY 14226 | FIRST UNUM LIFE INSURANCE COMPANY | $358 | — | $358 | 1.93% |
| PRISELAC & ASSOCIATES3 | 17 COURT STREET BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $288 | — | $288 | 1.55% |
| WILLIAM WEISS3 | 6351 TRANSIT ROAD DEPEW, NY 14043 | FIRST UNUM LIFE INSURANCE COMPANY | $246 | — | $246 | 1.33% |
| WILLIAM WADSWORTH3 | PLANNED FUTURES FINANCIAL AMHERST, NY 14226 | FIRST UNUM LIFE INSURANCE COMPANY | $173 | — | $173 | 0.93% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC | 231 SALINA MEADOWS PKWY SYRACUSE, NY 13221 | FIRST UNUM LIFE INSURANCE COMPANY | $35 | — | $35 | 0.19% |
| JERRY S MANN3 | C/O BMG OF WNY INC DEPEW, NY 14043 | FIRST UNUM LIFE INSURANCE COMPANY | $20 | — | $20 | 0.11% |
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 | 1,809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 1,815 | $20.4M |
| Dental(3 contracts, 3 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 1,355 | $1.2M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,414 | $102K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 28 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,815 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.