| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC | 801 MAIN STREET BUFFALO, NY 14203 | UNIVERA HEALTHCARE | $65K | $0 | $65K | 3.92% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 | 6200 ROCKSIDE ROAD CLEVELAND, OH 44131 | MEDICAL MUTUAL OF OHIO | $16K | $6K | $21K | 4.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC | 801 MAIN STREET BUFFALO, NY 14203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $10K | $21K | 9.44% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 100162303 | COMPANION LIFE INSURANCE COMPANY | $5K | $10K | $15K | 16.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC | 801 MAIN STREET BUFFALO, NY 14203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.52% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP, INC | 600 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63 | $0 | $63 | 0.12% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 100162303 | MUTUAL OF OMAHA INSURANCE COMPANY | $694 | $731 | $1K | 20.54% |
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 | 447 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERA HEALTHCARE | 184 | $2.2M |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 407 | $278K |
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 407 | $278K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 447 | $368K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 407 | $223K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 407 | $278K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERA HEALTHCARE | 184 | $2.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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."
No prospect flags tripped on this filing.