| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $16K | — | $16K | 3.33% |
| EMS FINANCIAL SERVICES LLC Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | SOLSTICE HEALTH INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $880 | $176 | $1K | 12.01% |
| EMS FINANCIAL SERVICES LLC Filed as: EMS FINANCIAL SVCS LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $721 | $275 | $996 | 13.82% |
| ALLIANCE ADVISORY GRP INC | 600 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.19% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 82 | $477K |
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 134 | $40K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 60 | $7K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 116 | $9K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 82 | $477K |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 116 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.