| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPRING COLLABORATIVE GROUP3 | 9900 TRANSIT RD STE 7 E AMHERST, NY 14051 | EXCELLUS BLUECROSS BLUESHIELD | $38K | — | $38K | 4.26% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | EXCELLUS BLUECROSS BLUESHIELD | $81 | — | $81 | 0.01% |
| SPRING COLLABORATIVE GROUP3 | 9900 TRANSIT RD STE 7 E AMHERST, NY 14051 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 9.36% |
| SPRING COLLABORATIVE GROUP3 Filed as: SPRING COLLABORATIVE | 9900 TRANSIT RD STE 7 E AMHERST, NY 14051 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SPRING COLLABORATIVE GROUP3 | 9900 TRANSIT RD STE 7 E AMHERST, NY 14051 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 24.14% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 96 | $898K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $13K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $13K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 224 | $20K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 224 | $38K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 224 | $38K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 96 | $898K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 224 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.