| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA BENEFITS CONSULTING | 77 CANALVIEW BLVD, BOX 1010 ROCHESTER, NY 14623 | EXCELLUS BLUECROSS BLUESHIELD | $43K | $165K | $208K | 15.91% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $2K | $7K | 3.61% |
| THE BERT COMPANY3 | 7 WEST THIRD STREET JAMESTOWN, NY 14701 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $237 | $4K | 2.16% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $834 | $11K | 13.62% |
| THE BERT COMPANY3 | 7 WEST THIRD STREET JAMESTOWN, NY 14701 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $96 | $2K | 2.54% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $499 | $3K | 6.41% |
| THE BERT COMPANY3 | 7 WEST THIRD STREET JAMESTOWN, NY 14701 | FIRST UNUM LIFE INSURANCE COMPANY | $776 | $58 | $834 | 1.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66995 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $219 | $2K | 6.75% |
| THE BERT COMPANY3 Filed as: THE BERT CO DBA NORTHWEST INSURANCE | 2517 UNION RD BUFFALO, NY 14225 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $122 | $2K | 5.17% |
| FIRST NIAGARA RISK MANAGEMENT3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | GUARDIAN | $4K | — | $4K | 20.94% |
| THE BERT COMPANY3 | 800 STATE STREET SUITE 500 ERIE, PA 16201 | GUARDIAN | $734 | — | $734 | 4.06% |
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 | 318 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 219 | $1.3M |
| Dental | GUARDIAN | 259 | $18K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 307 | $127K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 318 | $227K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 318 | $227K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 219 | $1.3M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 219 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.