| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES LLC. | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | EXCELLUS BLUE CROSS BLUE SHIELD | $27K | — | $27K | 2.62% |
| SPRING COLLABORATIVE GROUP3 Filed as: SPRING COLLABORATIVE GROUP, LLC. | 9900 TRANSIT RD., SUITE 7 EAST AMHERST, NY 14051 | EXCELLUS BLUE CROSS BLUE SHIELD | $17K | — | $17K | 1.61% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES LLC. | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $829 | $5K | 11.29% |
| SPRING COLLABORATIVE GROUP3 Filed as: SPRING COLLABORATIVE GROUP, LLC. | 9900 TRANSIT RD., SUITE 7 EAST AMHERST, NY 14051 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.62% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES LLC. | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 5.91% |
| SPRING COLLABORATIVE GROUP3 Filed as: SPRING COLLABORATIVE GROUP, LLC. | 9900 TRANSIT RD., SUITE 7 EAST AMHERST, NY 14051 | MUTUAL OF OMAHA INSURANCE COMPANY | $796 | — | $796 | 4.10% |
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 5.90% |
| SPRING COLLABORATIVE GROUP3 Filed as: SPRING COLLABORATIVE GROUP, LLC. | 9900 TRANSIT RD., SUITE 7 EAST AMHERST, NY 14051 | COMPANION LIFE INSURANCE COMPANY | $739 | — | $739 | 4.10% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES LLC. | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | EMPLOYEE NETWORK INC. | $792 | — | $792 | 21.82% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES LLC. | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | MUTUAL OF OMAHA INSURANCE COMPANY | $89 | — | $89 | 5.92% |
| SPRING COLLABORATIVE GROUP3 Filed as: SPRING COLLABORATIVE GROUP, LLC. | 9900 TRANSIT RD., SUITE 7 EAST AMHERST, NY 14051 | MUTUAL OF OMAHA INSURANCE COMPANY | $62 | — | $62 | 4.13% |
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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 101 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $41K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $41K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 236 | $18K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 121 | $19K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 101 | $1.0M |
| Other(2 contracts, 2 carriers) | EMPLOYEE NETWORK INC. | 236 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.