| 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 | $47K | — | $47K | 1.29% |
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE, INC. | 37 ROLLING HILLS DRIVE ORCHARD PARK, NY 14127 | HEALTHNOW NY INC. DBA BCBS OF WNY | $6K | — | $6K | 1.30% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP | HAUDENSCHIELD HARRISON BLACHEK CLARKS SUMMIT, PA 18411 | GEISINGER HEALTH PLAN | $3K | $23 | $3K | 1.66% |
| FIRST NATIONAL INS AGENCY3 | PO BOX 297 SELINSGROVE, PA 17870 | GEISINGER HEALTH PLAN | — | — | $0 | 0.00% |
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE INC. | PO BOX 1080 ORCHARD PARK, NY 14127 | HARTFORD LTFE INSURANCE CO. | $6K | — | $6K | 3.59% |
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE INC. | PO BOX 1080 ORCHARD PARK, NY 14127 | HARTFORD LIFE INSURANCE CO. | $5K | — | $5K | 4.49% |
| GEORGER ARTHUR | PO BOX 1080 ORCHARD PARK, NY 14127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 6.42% |
| 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 | — | — | $0 | 0.00% |
| 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% |
| GEORGER ARTHUR | PO BOX 1080 ORCHARD PARK, NY 14127 | SUN LIEE ASSURANCE COMPANY OF CANADA | $958 | — | $958 | 6.64% |
| FIRST NATIONAL INSURANCE AGENCY Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 764 BESSEMER ST STE 101 MEADVILLE, PA 16335 | SUN LIEE ASSURANCE COMPANY OF CANADA | — | — | $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 | $203 | — | $203 | 15.04% |
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 | 877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 894 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 284 | $201K |
| Dental | SUN LIEE ASSURANCE COMPANY OF CANADA | 63 | $14K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LTFE INSURANCE CO. | 1,062 | $264K |
| Long-term disability | HARTFORD LIFE INSURANCE CO. | 215 | $108K |
| Prescription drug(4 contracts) | HEALTHNOW NY, INC. DBA BCBS OF WNY | 464 | $4.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE CO. | 299 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,062 | — |
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.