| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 7 LIMESTONE DR WILLIAMSVILLE, NY 14221 | AETNA LIFE INSURANCE CO. | $27K | $4K | $31K | 3.51% |
| PATRIOT GROWTH INSURANCE SERVICES3 | ONE HUNTINGTON QUADRANGLE, STE 4N10 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | — | $2K | 5.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | — | $2K | 5.00% |
| SHERIDAN BENEFITS LLC3 | 6700 MAIN STREET WILLIAMSVILLE, NY 14221 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $306 | — | $306 | 0.66% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 626 N. FRENCH RD BUFFALO, NY 14228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $29K | $31K | 80.73% |
| PATRIOT GROWTH INSURANCE SERVICES3 | DBA SHERIDAN BENEFITS WILLIAMSVILLE, NY 14221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $793 | $5K | 12.34% |
| PATRIOT GROWTH INSURANCE SERVICES3 | C/O PATRIOT GROWTH INS FORT WASHINGTON, PA 19034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $219 | $2K | 5.76% |
| CALVIN DORSEY3 | 2049 VISTA DR LEWISVILLE, TX 75057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $913 | — | $913 | 2.41% |
| DEBRA KAY GAPP3 | 20302 STOME FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $692 | $202 | $894 | 2.36% |
| K G SMITH LLC3 | 7606 EASTWOOD LAKE LN RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | $82 | $435 | 1.15% |
| PATRIOT GROWTH INSURANCE SERVICES3 | DBA SHERIDAN BENEFITS WILLIAMSVILLE, NY 14221 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.31% |
| PATRIOT GROWTH INSURANCE SERVICES3 | C/O PATRIOT GROWTH INS FORT WASHINGTON, PA 19034 | THE PAUL REVERE LIFE INSURANCE COMPANY | $850 | — | $850 | 6.62% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 626 N. FRENCH RD BUFFALO, NY 14228 | THE PAUL REVERE LIFE INSURANCE COMPANY | $500 | — | $500 | 3.89% |
| JEFFREY HUSAREK3 | 3694 MEADOWBROOK ACRES NORTH TONAWANDA, NY 14120 | THE PAUL REVERE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.79% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 6700 MAIN STREET WILLIAMSVILLE, NY 14221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244 | — | $244 | 5.28% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 154 | $888K |
| Dental | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 74 | $46K |
| Vision | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 74 | $46K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 80 | $55K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.