| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: WALSH DUFFIED CO., INC | 801 MAIN STREET BUFFALO, NY 14203 | HIGHMARK WESTERN NEW YORK | $59K | — | $59K | 0.84% |
| BMG OF WNY Filed as: BMG OF WNY, INC. | 6351 TRANSIT ROAD DEPEW, NY 14043 | HIGHMARK WESTERN NEW YORK | $12K | — | $12K | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: WALSH DUFFIELD CO INC | 801 MAIN STREET BUFFALO, NY 14203 | GUARDIAN LIFE INSURANCE COMPANY | $21K | — | $21K | 4.95% |
| SUMMIT CONSULTANTS & ADVISORS | 6928 WILLIAMS ROAD NIAGARA FALLS, NY 14304 | GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.05% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: WALSH DUFFIELD CO INC | 801 MAIN STREET BUFFALO, NY 14203 | THE HARTFORD | $19K | — | $19K | 4.73% |
| BMG OF WNY Filed as: BMG OF WNY INC | 6351 TRANSIT RD DEPEW, NY 14043 | THE HARTFORD | $14K | — | $14K | 3.56% |
| USI INSURANCE SERVICES LLC | 726 EXCHANGE ST. STE. 900 BUFFALO, NY 14210 | CHUBB | $0 | $0 | $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 | 582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN NEW YORK | 1,094 | $7.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 622 | $417K |
| Life insurance | THE HARTFORD | 572 | $393K |
| Short-term disability | THE HARTFORD | 572 | $393K |
| Long-term disability | THE HARTFORD | 572 | $393K |
| Prescription drug | HIGHMARK WESTERN NEW YORK | 1,094 | $7.1M |
| Other(2 contracts, 2 carriers) | HIGHMARK WESTERN NEW YORK | 1,094 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,094 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.