| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 2.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 122 EAST COLLEGE AVENUE SUITE 201 APPLETON, WI 54911 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $430 | — | $430 | 0.09% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72K | — | $72K | 26.62% |
| GINO R PRESTIGIACOMO3 | 200 WINTON ROAD N ROCHESTER, NY 14610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 5.78% |
| JOHNATHAN GUAY3 | 1100 LONG POND RD SUITE 119 ROCHESTER, NY 14626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.41% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE - JENNIFER KEATING | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.16% |
| SHAWN J KEELER3 Filed as: SHAWN- J KEELER | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.15% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY | 285 DELAWARE AVENUE SUITE 400 BUFFALO, NY 142021885 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.02% |
| VARMA TARUNA3 | 9205 BEACH MEADOW CLARENCE CENTER, NY 14032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 93033 NETWORK PLACE CHICAGO, IL 606731930 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 0.04% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION INC | 2 RAVINIA DRIVE SUITE 1500 ATLANTA, GA 30346 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $13 | $13 | 0.00% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INC | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $26K | $26K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $25K | — | $25K | 14.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY | 285 DELAWARE AVENUE BUFFALO, NY 14202 | BCS INSURANCE COMPANY | $9K | — | $9K | 4.95% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY | 285 DELAWARE AVENUE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 8.83% |
| ACRISURE LLC3 | 6307 84TH ST SE CALEDONIA, MI 49316 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.12% |
| 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 | — | $506 | $506 | 0.42% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 1100 N MARKET ST FL 11TH WILMINGTON, DE 198901100 | VISION SERVICE PLAN | $27K | — | $27K | 26.67% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | — | $427 | $427 | 0.42% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO13 | $1K | $2 | $1K | 7.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN C/O JP MORGAN C | 93033 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO13 | — | $50 | $50 | 0.28% |
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 | 867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK WESTERN NEW YORK | 1,174 | $7.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,027 | $453K |
| Vision | VISION SERVICE PLAN | 870 | $101K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 695 | $392K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 695 | $392K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 341 | $120K |
| Prescription drug | HIGHMARK WESTERN NEW YORK | 1,174 | $6.8M |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 695 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,174 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.