| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEDECKER-SAXE ASSOCIATES INC3 | 285 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $282K | $71K | $353K | 3.09% |
| DEDECKER-SAXE ASSOCIATES INC3 | 285 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $39K | $44K | $83K | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY | — | $64K | $64K | 1.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RISK MANAGEMENT | 285 DELAWARE AVENUE SUITE 400 BUFFALO, NY 14202 | ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $12.1M |
| CVS CAREMARK EIN 05-0340626 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1 CVS DRIVE WOONSOCKET, RI 02895 | $2.1M |
| DELTA DENTAL OF NY EIN 11-1980218 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 575 MADISON AVE NEW YORK, NY 10222 | $620K |
| FIRST UNUM LIFE INSURANCE COMPANY EIN 01-0278678 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37042 | $348K |
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 | 23,008 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 23,008 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 14,847 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 22,782 | $11.4M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 10,386 | $4.0M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 21,391 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,782 | — |
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."
No prospect flags tripped on this filing.