| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M&T INSURANCE AGENCY INC3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | MVP HEALTHCARE | $34K | — | $34K | 2.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13202 | MVP HEALTHCARE | $18K | — | $18K | 1.49% |
| M&T INSURANCE AGENCY INC3 Filed as: M&T INSURANCE AGENCY | 101 SOUTH SALINA STREET, 4TH FLOOR SYRACUSE, NY 13202 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 6.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 2.88% |
| M&T INSURANCE AGENCY INC3 Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE., SUITE 4000 BUFFALO, NY 14202 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 16.92% |
| M&T INSURANCE AGENCY INC3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | MVP HEALTHCARE | $378 | — | $378 | 2.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | MVP HEALTHCARE | $258 | — | $258 | 1.94% |
| M&T INSURANCE AGENCY INC3 | 285 DELAWARE AVE., SUITE 4000 BUFFALO, NY 14202 | HM LIFE INSURANCE COMPANY OF NEW YORK | $535 | — | $535 | 5.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | HM LIFE INSURANCE COMPANY OF NEW YORK | $407 | — | $407 | 4.32% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MVP HEALTHCARE | 245 | $1.2M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 133 | $54K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 145 | $9K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 158 | $30K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 158 | $30K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 158 | $30K |
| Prescription drug(2 contracts) | MVP HEALTHCARE | 245 | $1.2M |
| Other | AETNA LIFE INSURANCE COMPANY | 158 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.