| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW YORK, INC. | 300 AIRBORNE PKWY, STE 208 BUFFALO, NY 14225 | MVP HEALTH CARE | $43K | — | $43K | 3.91% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINCL CTR, 200 LIBERTY ST NEW YORK, NY 10281 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.59% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW YORK, INC. | 300 AIRBORNE PKWY, STE 208 BUFFALO, NY 14225 | EXCELLUS BLUECROSS BLUESHIELD | $5K | — | $5K | 9.82% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW YORK, INC. | 300 AIRBORNE PKWY, STE 208 BUFFALO, NY 14225 | MVP HEALTH CARE | $535 | — | $535 | 3.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 300 AIRBORNE PKWY, STE 208 BUFFALO, NY 14225 | HM LIFE INSURANCE COMPANY OF NEW YORK | $901 | — | $901 | 10.00% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MVP HEALTH CARE | 197 | $1.1M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 114 | $48K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 122 | $9K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 155 | $58K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 155 | $58K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 155 | $58K |
| Prescription drug(2 contracts) | MVP HEALTH CARE | 197 | $1.1M |
| Other | AETNA LIFE INSURANCE COMPANY | 155 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.