| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE, INC. | 37 ROLLING HILLS DRIVE ORCHARD PARK, NY 14127 | HEALTHNOW NY, INC. DBA BCBS OF WNY | — | — | $0 | 0.00% |
| FIRST NATIONAL INS AGENCY3 | PO BOX 297 SELINSGROVE, PA 17870 | GEISINGER HEALTH PLAN | $21K | $3 | $21K | 2.50% |
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE, INC. | 37 ROLLING HILLS DRIVE ORCHARD PARK, NY 14127 | HEALTHNOW NY, INC. DBA BCBS OF WNY | — | — | $0 | 0.00% |
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE INC. | PO BOX 1080 ORCHARD PARK, NY 14127 | HARTFORD LIFE INSURANCE CO. | $8K | — | $8K | 8.57% |
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE INC. | PO BOX 1080 ORCHARD PARK, NY 14127 | HARTFORD LIFE INSURANCE CO. | $7K | — | $7K | 8.00% |
| FIRST NATIONAL INSURANCE AGENCY Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 764 BESSEMER ST STE 101 MEADVILLE, PA 16335 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 10.02% |
| FIRST NIAGARA RISK MANAGEMENT Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 2.48% |
| FIRST NATIONAL INSURANCE AGENCY Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 764 BESSEMER ST STE 101 MEADVILLE, PA 16335 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 4.92% |
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE, INC. | 37 ROLLING HILLS DRIVE ORCHARD PARK, NY 14127 | HEALTHNOW NY, INC. DBA BCBS OF WNY | — | — | $0 | 0.00% |
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE, INC. | 37 ROLLING HILLS DR. ORCHARD PARK, NY 14127 | HEALTHNOW NY, INC. DBA BCBS OF WNY | — | — | $0 | 0.00% |
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE INC. | 37 ROLLING HILLS DR. PO BOX 1080 ORCHARD PARK, NY 14127 | HARTFORD LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| E.T. CLAUSS & COMPANY INC.3 | 735 DELAWARE AVE. PO BOX 534 BUFFALO, NY 14209 | CIGNA LIFE INSURANCE CO. OF NY | — | — | $0 | — |
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 | 820 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 304 | $828K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 77 | $22K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE CO. | 691 | $134K |
| Long-term disability | HARTFORD LIFE INSURANCE CO. | 205 | $82K |
| Prescription drug(4 contracts) | HEALTHNOW NY, INC. DBA BCBS OF WNY | 410 | $3.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE CO. | 246 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 691 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.