| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERIDAN BENEFITS LLC | 8685 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 | HEALTHNOW | $48K | — | $48K | 2.01% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | HEALTHNOW | $24K | — | $24K | 0.99% |
| SHERIDAN BENEFITS LLC | 8685 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 | GUARDIAN | $10K | — | $10K | 4.69% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $3K | — | $3K | 1.29% |
| DANIEL VECCHIO JR | 8685 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.57% |
| JOHN B INFERRERA Filed as: JOHN MCGOWAN | 15 SIMSBURY LANE PITTSFORD, NY 14534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $220 | — | $220 | 2.24% |
| ALAN JUSTIN | 5165 BROADWAY DEPEW, NY 14043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $106 | — | $106 | 1.08% |
| LINDA HERB Filed as: LINDA MARIE HERB | 8685 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 | THE PAUL REVERE LIFE INSURANCE COMPANY | $106 | — | $106 | 1.08% |
| A IRENE SMITH | 8685 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 | THE PAUL REVERE LIFE INSURANCE COMPANY | $92 | — | $92 | 0.94% |
| MARK DOYLE DIGAUDIO | 5119 WOODWAY CT HAMBURG, NY 14075 | THE PAUL REVERE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.93% |
| LORI ANN MADAY | 276 LE-HAVRE DR CHEEKTOWAGA, NY 14225 | THE PAUL REVERE LIFE INSURANCE COMPANY | $84 | — | $84 | 0.86% |
| JUDITH M SZYMENDERA | 157 ROWLEY ROAD CHEEKTOWAGA, NY 14227 | THE PAUL REVERE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.83% |
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 | 667 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 375 | $223K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 375 | $233K |
| Prescription drug | HEALTHNOW | 667 | $2.4M |
| Other | HEALTHNOW | 667 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.