| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 300 AIRBORNE PARKWAY NEW YORK, NY 10249 | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $7K | — | $7K | 0.43% |
| EMPLOYEE BENEFIT CONCEPTS INC.3 Filed as: EMPLOYEE BENEFIT CONCETPS, INC. | 301 OHIO ST, STE 250 BUFFALO, NY 14204 | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $6K | — | $6K | 0.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | 200 LIBERTY STREET NEW YORK 10281 NEW YORK, NY 10281 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.93% |
| EMPLOYEE BENEFIT CONCEPTS INC.3 Filed as: EMPLOYEE BENEFIT CONCEPTS, INC. | 301 OHIO STREET SUITE 250 BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 300 AIRBORNE PARKWAY BUFFALO, NY 14225 | HM LIFE INSURANCE COMPANY OF NEW YORK | $684 | — | $684 | 5.89% |
| EMPLOYEE BENEFIT CONCEPTS INC.3 Filed as: EMPLOYEE BENEFIT CONCEPTS | 301 OHIO ST STE 250 BUFFALO, NY 14204 | HM LIFE INSURANCE COMPANY OF NEW YORK | $478 | — | $478 | 4.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NY INC. | 300 AIRBORNE PARKWAY BUFFALO, NY 14225 | BLUECROSS BLUESHEILD OF WESTERN NEW YORK | $2K | — | $2K | — |
| EMPLOYEE BENEFIT CONCEPTS INC.3 Filed as: EMPLOYEE BENEFIT CONCEPTS, INC. | 301 OHIO ST, STE 250 BUFFALO, NY 14204 | BLUECROSS BLUESHEILD OF WESTERN NEW YORK | $2K | — | $2K | — |
| BROKERAGE CONCEPTS INC5 Filed as: BROKERAGE CONCEPTS. INC | 801 LAKEVIEW DR SUITE 301 BLUE BELL, PA 19422 | BROKERAGE CONCEPTS, INC. | $0 | $14K | $14K | — |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 341 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $17K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 116 | $12K |
| Prescription drug | BLUECROSS BLUESHEILD OF WESTERN NEW YORK | 341 | $0 |
| Other(4 contracts, 4 carriers) | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 341 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.