| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | 777 CANAL VIEW BLVD, SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUECROSS BLUESHIELD | $32K | $145K | $177K | 50.17% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $3K | $12K | 5.46% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $1K | $15K | 16.25% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RICK MANAGEMENT | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $648 | $4K | 7.93% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $450 | $4K | 11.80% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INS & BENEFITS SERVICES | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | GUARDIAN | $5K | — | $5K | 24.10% |
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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 238 | $353K |
| Dental | GUARDIAN | 281 | $20K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 248 | $142K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 267 | $252K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 267 | $252K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 238 | $353K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 238 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.