| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN MIDWEST | 122 EAST COLLEGE AVENUE SUITE 201 APPLETON, WI 54911 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 3.18% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.38% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSJMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124K | — | $124K | 35.89% |
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 5.77% |
| GINO PRESTIGIACOMO3 | 200 N WINTON ROAD ROCHESTER, NY 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 5.55% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC - JENNIFER KEATING | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 1.61% |
| JOHNATHAN GUAY3 | 1100 LONG POND RD SUITE 119 ROCHESTER, NY 14626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 1.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93033 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $633 | — | $633 | 0.18% |
| VARMA TARUNA3 | 9205 BEECH MEADOW CLARENCE CENTER, NY 14032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $265 | — | $265 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $70 | $70 | 0.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOCIATION INC | 2 RAVINIA DRIVE SUITE 1500 ATLANTA, GA 30346 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $36K | — | $36K | 14.86% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INC | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $35K | $35K | 14.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | BCS INSURANCE COMPANY | $8K | — | $8K | 3.43% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVE STE 4000 BUFFALO, NY 14202 | BCS INSURANCE COMPANY | $2K | — | $2K | 0.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 N EXECUTIVE DRIVE STE 300 BROOKFIELD, MA 53005 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 6.35% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE STE 4000 BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES W | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $670 | $670 | 0.44% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF WISCONSIN INC | 2323 NORTH MAYFAIR ROAD SUITE 600 MILWAUKEE, WI 53226 | HARTFORD LIFE AND ACCIDENT | $647 | — | $647 | 0.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | — | $2K | 1.98% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 1100 N MARKET ST FLOOR 11TH WILMINGTON, DE 19890 | VISION SERVICE PLAN | $1K | — | $1K | 1.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93033 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $196 | — | $196 | 0.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | C/O JP MORGAN CHASE 93033 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | $207 | $1K | 11.72% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $502 | — | $502 | 4.53% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF WISCONSIN INC | C/O JP MORGAN CHASE 93033 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $207 | — | $207 | 1.87% |
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 | 584 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHILED OF WESTERN NEW YORK | 897 | $5.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 718 | $349K |
| Vision | VISION SERVICE PLAN | 617 | $87K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 921 | $497K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 921 | $497K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 289 | $151K |
| Prescription drug | BLUECROSS BLUESHILED OF WESTERN NEW YORK | 897 | $5.1M |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 921 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 921 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.